# EDGAR Filing Document

**Accession Number:** 0001892312
**File Stem:** 0001999371-25-012607
**Filing Date:** 2025-9
**Character Count:** 4129363
**Document Hash:** 54b9d2943dce1fafc96779555589aa86
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-012607.hdr.sgml**: 20250904

**ACCESSION NUMBER**: 0001999371-25-012607

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

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20250904

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

**FILED AS OF DATE**: 20250904

**DATE AS OF CHANGE**: 20250904

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05960
- **FILM NUMBER:** 251294277

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001892312

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

**Washington, D.C. 20549**

**FORM ABS-15G**

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

**<u>GCAT Depositor IiI, llc</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001892312

<u>GCAT 2025-INV4 Trust</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Thomas Durkin, (212) 692-2000

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.2](ex99-2.htm) | AMC Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Valuation Summary |
| [99.5](ex99-5.htm) | AMC Supplemental Data |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | AMC Servicing Pay History Limited |
| [99.8](ex99-8.htm) | AMC Delinquency Summary |

---

**SIGNATURES**

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

gcat Depositor iII, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Depositor)

Date: September 4, 2025

/s/ Thomas Durkin

Name: Thomas Durkin

Title: President (senior officer in charge of securitization)

## Exhibit 99.1

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.1**

![](ex9911001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

The total population of the Review covered 1,078 mortgage loans totaling an aggregate original principal balance of approximately $431.054 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Property Valuation Date |
| &nbsp;&nbsp;Appraisal Age | &nbsp;&nbsp;Lifetime Maximum Rate Ceiling | &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Appraisal Value at Origination | &nbsp;&nbsp;Lifetime Minimum Rate Floor | &nbsp;&nbsp;Postal Code |
| &nbsp;&nbsp;ATR Exempt | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Prepayment Penalty Flag Y N |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Insurance | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Mortgage Insurance Company Name | &nbsp;&nbsp;Rate Frequency |
| &nbsp;&nbsp;First Payment Date of Loan | &nbsp;&nbsp;Mortgage Insurance Percent | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;First Rate Adjustment Date ARMs | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Gross Margin | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;Subsequent Interest Rate Change Down |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;Original Interest Only Flag | &nbsp;&nbsp;Subsequent Interest Rate Change Up |
| &nbsp;&nbsp;Initial Interest Rate Cap Change Down | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;TILA Status Loan Designation |
| &nbsp;&nbsp;Initial Interest Rate Cap Change Up | &nbsp;&nbsp;Original Loan Amount |  |
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Original PI |  |

---

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

**<u>CREDIT SCOPE (1,078 Mortgage Loans):</u>**

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

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

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

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![](ex9911001.jpg)

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

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

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

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

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

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

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

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

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

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![](ex9911001.jpg)

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

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

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

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

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

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

**<u>COMPLIANCE SCOPE (1,078 Mortgage Loans)</u>**

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

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![](ex9911001.jpg)

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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![](ex9911001.jpg)

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Payment History Review (584 loans):** AMC performed up to 12-month review as of the cut-off date review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a life of the loan look back for each mortgage loan within the payment history population.

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, 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.

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

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**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Grades (# of Loans)** | **Loan Grades (# of Loans)** | **Loan Grades (# of Loans)** | **Loan Grades (# of Loans)** | **Loan Grades (# of Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 1016 | 872 | 1025 | 783 |
| B | 62 | 206 | 52 | 294 |
| C | 0 | 0 | 1 | 1 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **1078** | **1078** | **1078** | **1078** |
| **Loan Grades (% of Loans)** | **Loan Grades (% of Loans)** | **Loan Grades (% of Loans)** | **Loan Grades (% of Loans)** | **Loan Grades (% of Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 94.25% | 80.89% | 95.08% | 72.63% |
| B | 5.75% | 19.11% | 4.82% | 27.27% |
| C | 0.00% | 0.00% | 0.09% | 0.09% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

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

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp; **Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;85 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;77 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***263*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**263** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**65** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***52*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**53** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**381** |

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**TAPE DATA INTEGRITY REVIEW RESULTS SUMMARY**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 37 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Appraisal Age | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Appraisal Value at Origination | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ATR Exempt | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date of Loan | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Rate Adjustment Date ARMs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Gross Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Interest Rate Cap Change Down | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Interest Rate Cap Change Up | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lifetime Maximum Rate Ceiling | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lifetime Minimum Rate Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Insurance Company Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Insurance Percent | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original PI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Property Valuation Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag Y N | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Rate Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Subsequent Interest Rate Change Down | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Subsequent Interest Rate Change Up | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;TILA Status Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**39886** | &nbsp;&nbsp;**0.00%** |

---

**PAYMENT HISTORY REVIEW SUMMARY (584 mortgage Loans)**

All of the 584 mortgage loans subjected to the Payment History Review had complete pay history strings. In total, 11 mortgage loans (1.88%) showed at least one delinquency within the look back period. As of the 6/30/2025 cutoff date, all but 3 mortgage loans (0.51%) were current. 12 mortgage loans with a first payment date of 7/1/2025 were unintentionally included in the review population. These loans have been disclosed and are reflected in the table.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;573 | &nbsp;&nbsp;98.12% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**584** | &nbsp;&nbsp;**100.00%** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1078 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$431053875.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex9911001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$431053875.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;110 | &nbsp;&nbsp;10.20% | &nbsp;&nbsp;$37272040.00 | &nbsp;&nbsp;8.65% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;35 | &nbsp;&nbsp;3.25% | &nbsp;&nbsp;$12555408.00 | &nbsp;&nbsp;2.91% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;882 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;$358074648.00 | &nbsp;&nbsp;83.07% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;51 | &nbsp;&nbsp;4.73% | &nbsp;&nbsp;$23151779.00 | &nbsp;&nbsp;5.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1078 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$431053875.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;527 | &nbsp;&nbsp;48.89% | &nbsp;&nbsp;$218099291.00 | &nbsp;&nbsp;50.60% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;122 | &nbsp;&nbsp;11.32% | &nbsp;&nbsp;$45869770.00 | &nbsp;&nbsp;10.64% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$4165500.00 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;337 | &nbsp;&nbsp;31.26% | &nbsp;&nbsp;$127594717.00 | &nbsp;&nbsp;29.60% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% | &nbsp;&nbsp;$380068.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$1004500.00 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$3938450.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;42 | &nbsp;&nbsp;3.90% | &nbsp;&nbsp;$16860004.00 | &nbsp;&nbsp;3.91% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;$5404625.00 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;$7736950.00 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;744 | &nbsp;&nbsp;69.02% | &nbsp;&nbsp;$291041932.00 | &nbsp;&nbsp;67.52% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;334 | &nbsp;&nbsp;30.98% | &nbsp;&nbsp;$140011943.00 | &nbsp;&nbsp;32.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1078** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$431053875.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.2

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.2**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | GCATINV400001 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400002 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400003 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400004 |  |  |  |  | A | B C | A | B C | A | B | A | B |  |
|  | GCATINV400005 |  |  |  |  | C | B C | A | C | A | A B | A | A B |  |
|  | GCATINV400006 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400007 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400008 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400009 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400010 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400011 |  |  |  |  | C | B | A | C | A | A | A | A |  |
|  | GCATINV400012 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400013 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400014 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400015 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400016 |  |  |  |  | A | B | D | D | A | A | A | A |  |
|  | GCATINV400017 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400018 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400019 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400020 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400021 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400022 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400023 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400024 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400025 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400026 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400027 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400028 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400029 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400030 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400031 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400032 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400033 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | GCATINV400034 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400035 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400036 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400037 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400038 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400039 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400040 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400041 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400042 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400043 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400044 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400045 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400046 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400047 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400048 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400049 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400050 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400051 |  |  |  |  | C | C | A D | C D | A | A | A | A |  |
|  | GCATINV400052 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400053 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400054 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400055 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400056 |  |  |  |  | C | B C | A | C | A | A B | A | A B |  |
|  | GCATINV400057 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400058 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | GCATINV400059 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400060 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400061 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400062 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400063 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400064 |  |  |  |  | C | B C | A | C | A | B | A | B |  |
|  | GCATINV400065 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400066 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400067 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400068 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400069 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400070 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400071 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400072 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400073 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400074 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400075 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400076 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400077 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400078 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400079 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400080 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400081 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400082 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400083 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400084 |  |  |  |  | D | C | A | D | A | A | A | A |  |
|  | GCATINV400085 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400086 |  |  |  |  | A | C | D | D | A | A | A B | A B |  |
|  | GCATINV400087 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400088 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400089 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400090 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400091 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | GCATINV400092 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400093 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400094 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400095 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400096 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400097 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400098 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400099 |  |  |  |  | B | B | A | B | B | A | A | B |  |
|  | GCATINV400100 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400101 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400102 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400103 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400104 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400105 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400106 |  |  |  |  | B | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400107 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400108 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400109 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400110 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400111 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400112 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | GCATINV400113 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400114 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400115 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400116 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400117 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400118 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400119 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400120 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400121 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400122 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400123 |  |  |  |  | C | B | D | D | A | B | A | B |  |
|  | GCATINV400124 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400125 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400126 |  |  |  |  | C | C | D | D | A | A | B | B |  |
|  | GCATINV400127 |  |  |  |  | A | C | D | D | A | A | B | B |  |
|  | GCATINV400128 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400129 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400130 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400131 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400132 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400133 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400134 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400135 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400136 |  |  |  |  | A | A | B | B | A | A | B | B |  |
|  | GCATINV400137 |  |  |  |  | C | A | B | C | A | A | B | B |  |
|  | GCATINV400138 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400139 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400140 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400141 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400142 |  |  |  |  | D | C | D | D | A | A | A | A |  |
|  | GCATINV400143 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400144 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400145 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400146 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400147 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400148 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400149 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400150 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400151 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400152 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400153 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400154 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400155 |  |  |  |  | C | B | A | C | A | A | A | A |  |
|  | GCATINV400156 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400157 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400158 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400159 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400160 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400161 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400162 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400163 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400164 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | GCATINV400165 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400166 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400167 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400168 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400169 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400170 |  |  |  |  | C | B | A | C | B | B | A | B |  |
|  | GCATINV400171 |  |  |  |  | C | A | D | D | B | A | A | B |  |
|  | GCATINV400172 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400173 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400174 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400175 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400176 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400177 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400178 |  |  |  |  | D | A | D | D | A | A | A | A |  |
|  | GCATINV400179 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400180 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400181 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400182 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400183 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400184 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400185 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400186 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400187 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400188 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400189 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400190 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400191 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400192 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400193 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400194 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400195 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400196 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400197 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400198 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400199 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400200 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400201 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400202 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400203 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400204 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400205 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400206 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400207 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400208 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400209 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400210 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400211 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400212 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400213 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400214 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400215 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400216 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400217 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400218 |  |  |  |  | C D | A | A | C D | A | A | A | A |  |
|  | GCATINV400219 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400220 |  |  |  |  | C | B | A | C | A | A | A | A |  |
|  | GCATINV400221 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400222 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400223 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400224 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400225 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400226 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400227 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400228 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400229 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400230 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400231 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400232 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400233 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400234 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400235 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400236 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400237 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400238 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400239 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400240 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400241 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400242 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400243 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400244 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400245 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400246 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400247 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400248 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400249 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400250 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400251 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400252 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400253 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400254 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400255 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400256 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400257 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400258 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400259 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400260 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400261 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400262 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400263 |  |  |  |  | D | D | A | D | B | B | A | B |  |
|  | GCATINV400264 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | GCATINV400265 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400266 |  |  |  |  | A | B C | D A | D C | A | A B | A | A B |  |
|  | GCATINV400267 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400268 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400269 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400270 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400271 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400272 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400273 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400274 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400275 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400276 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400277 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400278 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400279 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400280 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400281 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400282 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400283 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400284 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400285 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400286 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400287 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400288 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400289 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400290 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400291 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400292 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400293 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400294 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400295 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400296 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400297 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400298 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400299 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400300 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400301 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400302 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400303 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400304 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400305 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400306 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400307 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400308 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400309 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400310 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400311 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400312 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400313 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400314 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400315 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400316 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400317 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400318 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400319 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400320 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400321 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400322 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400323 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400324 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400325 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400326 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400327 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400328 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400329 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400330 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400331 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400332 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400333 |  |  |  |  | A | D | A | D | A | B | A | B |  |
|  | GCATINV400334 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400335 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400336 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400337 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400338 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400339 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400340 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400341 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400342 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400343 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400344 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400345 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400346 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400347 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400348 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400349 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400350 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400351 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400352 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400353 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400354 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400355 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400356 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400357 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400358 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400359 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400360 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400361 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400362 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400363 |  |  |  |  | C | A | B | C | A | A | A | A |  |
|  | GCATINV400364 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400365 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400366 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400367 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400368 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400369 |  |  |  |  | C | C | D B C | D C | A | A | B | B |  |
|  | GCATINV400370 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400371 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400372 |  |  |  |  | C | C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400373 |  |  |  |  | C | C | B | C | A | B | B | B |  |
|  | GCATINV400374 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400375 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400376 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400377 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400378 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400379 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400380 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400381 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400382 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400383 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | GCATINV400384 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400385 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400386 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400387 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400388 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400389 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400390 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400391 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400392 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400393 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400394 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400395 |  |  |  |  | C | C | D B C | D C | A | A | B | B |  |
|  | GCATINV400396 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400397 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400398 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400399 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400400 |  |  |  |  | C | B | D | D | A | B | A | B |  |
|  | GCATINV400401 |  |  |  |  | C | C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400402 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400403 |  |  |  |  | C | C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400404 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400405 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400406 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400407 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400408 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400409 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400410 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400411 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400412 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400413 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400414 |  |  |  |  | C | C | D | D | A | A | B | B |  |
|  | GCATINV400415 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400416 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | GCATINV400417 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400418 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400419 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400420 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400421 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400422 |  |  |  |  | C | B C | B | C | A | B | B | B |  |
|  | GCATINV400423 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400424 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400425 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400426 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400427 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400428 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400429 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400430 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400431 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400432 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400433 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400434 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400435 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400436 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400437 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400438 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400439 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400440 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400441 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400442 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400443 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400444 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400445 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400446 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400447 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400448 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400449 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400450 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400451 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400452 |  |  |  |  | D | A | D | D | A | A | A | A |  |
|  | GCATINV400453 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400454 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400455 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400456 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400457 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400458 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400459 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400460 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400461 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400462 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400463 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400464 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400465 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400466 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400467 |  |  |  |  | B | C | A | C | A | B | A | B |  |
|  | GCATINV400468 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400469 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400470 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400471 |  |  |  |  | D | C | A | D | A | A | A | A |  |
|  | GCATINV400472 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400473 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400474 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400475 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400476 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400477 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400478 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400479 |  |  |  |  | C | D | A | D | A | A | A | A |  |
|  | GCATINV400480 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400481 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400482 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400483 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400484 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400485 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400486 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400487 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400488 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400489 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400490 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400491 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400492 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400493 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400494 |  |  |  |  | C | C | C | C | A | B | A | B |  |
|  | GCATINV400495 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400496 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400497 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400498 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400499 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400500 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400501 |  |  |  |  | A | A | C D | C D | A | A | A B | A B |  |
|  | GCATINV400502 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400503 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400504 |  |  |  |  | C | B | B | C | A | B | A | B |  |
|  | GCATINV400505 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400506 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400507 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400508 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400509 |  |  |  |  | C | C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400510 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400511 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400512 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400513 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | GCATINV400514 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400515 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400516 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400517 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400518 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400519 |  |  |  |  | A | B C | A | B C | A | B | A | B |  |
|  | GCATINV400520 |  |  |  |  | C | C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400521 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400522 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
|  | GCATINV400523 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400524 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400525 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400526 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400527 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400528 |  |  |  |  | C | C | D B C | D C | A | A | B | B |  |
|  | GCATINV400529 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400530 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400531 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400532 |  |  |  |  | D | C | A | D | A | A | A | A |  |
|  | GCATINV400533 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400534 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400535 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400536 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | GCATINV400537 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400538 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400539 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400540 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400541 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400542 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400543 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400544 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400545 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400546 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400547 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400548 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400549 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400550 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400551 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400552 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | GCATINV400553 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400554 |  |  |  |  | A | B C | A | B C | A | B | A | B |  |
|  | GCATINV400555 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400556 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400557 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400558 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400559 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400560 |  |  |  |  | A | B C | D | D | A | A B | A | A B |  |
|  | GCATINV400561 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400562 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400563 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400564 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400565 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400566 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400567 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400568 |  |  |  |  | B | B C | A | B C | B | B | A | B |  |
|  | GCATINV400569 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400570 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400571 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400572 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | GCATINV400573 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400574 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400575 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400576 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400577 |  |  |  |  | B | B | D | D | B | B | A | B |  |
|  | GCATINV400578 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | GCATINV400579 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400580 |  |  |  |  | D | C | A | D | A | A | A | A |  |
|  | GCATINV400581 |  |  |  |  | C | C | D | D | A | A | C | C |  |
|  | GCATINV400582 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400583 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400584 |  |  |  |  | C | B C | D B C | D C | A | A B | B | B |  |
|  | GCATINV400585 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400586 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400587 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400588 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400589 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400590 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400591 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400592 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400593 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400594 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400595 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400596 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400597 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400598 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400599 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400600 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400601 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400602 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400603 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400604 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400605 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400606 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400607 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400608 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400609 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | GCATINV400610 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400611 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400612 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400613 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400614 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400615 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400616 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400617 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400618 |  |  |  |  | B | B | D | D | B | B | A | B |  |
|  | GCATINV400619 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400620 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400621 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400622 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400623 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400624 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | GCATINV400625 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400626 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400627 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | GCATINV400628 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400629 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400630 |  |  |  |  | A | A | B | B | A | A | B | B |  |
|  | GCATINV400631 |  |  |  |  | B | A | D | D | B | A | A | B |  |
|  | GCATINV400632 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400633 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400634 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | GCATINV400635 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400636 |  |  |  |  | D | A | A | D | B | A | A | B |  |
|  | GCATINV400637 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400638 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400639 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400640 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400641 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400642 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400643 |  |  |  |  | A | C | D A | D C | A | A | A | A |  |
|  | GCATINV400644 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400645 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400646 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400647 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400648 |  |  |  |  | C | B | D | D | A | B | A | B |  |
|  | GCATINV400649 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400650 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400651 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400652 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400653 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400654 |  |  |  |  | A | A | D | D | A | A | B | B |  |
|  | GCATINV400655 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400656 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400657 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400658 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400659 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400660 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400661 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400662 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400663 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400664 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400665 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400666 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400667 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400668 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400669 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400670 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400671 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400672 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | GCATINV400673 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400674 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400675 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400676 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400677 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400678 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400679 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400680 |  |  |  |  | A | A | D | D | A | A | B | B |  |
|  | GCATINV400681 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400682 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400683 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400684 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | GCATINV400685 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400686 |  |  |  |  | A | A | B | B | A | A | B | B |  |
|  | GCATINV400687 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400688 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400689 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400690 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400691 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400692 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400693 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400694 |  |  |  |  | A | A | D A | D A | A | A | A | A |  |
|  | GCATINV400695 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400696 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | GCATINV400697 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400698 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400699 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400700 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400701 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400702 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | GCATINV400703 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400704 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400705 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400706 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400707 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400708 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400709 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400710 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400711 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400712 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400713 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400714 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400715 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400716 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400717 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400718 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400719 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | GCATINV400720 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400721 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400722 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400723 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400724 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400725 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400726 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400727 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400728 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400729 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400730 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400731 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400732 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400733 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400734 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400735 |  |  |  |  | C | C | D B C | D C | A | B | B | B |  |
|  | GCATINV400736 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400737 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400738 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400739 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400740 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400741 |  |  |  |  | B | A | D | D | B | A | A | B |  |
|  | GCATINV400742 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400743 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400744 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400745 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | GCATINV400746 |  |  |  |  | C | B | D | D | A | B | A | B |  |
|  | GCATINV400747 |  |  |  |  | C | C | D B C | D C | A | A | B | B |  |
|  | GCATINV400748 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400749 |  |  |  |  | C | B | A | C | B | B | A | B |  |
|  | GCATINV400750 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400751 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400752 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400753 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400754 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400755 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400756 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400757 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400758 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400759 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400760 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400761 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400762 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400763 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400764 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400765 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400766 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400767 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400768 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400769 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400770 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400771 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400772 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400773 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400774 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400775 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400776 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400777 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400778 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400779 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400780 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400781 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400782 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400783 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400784 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400785 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400786 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400787 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400788 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400789 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400790 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400791 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400792 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400793 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400794 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400795 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400796 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400797 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400798 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400799 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400800 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400801 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400802 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400803 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400804 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400805 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400806 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400807 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400808 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400809 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400810 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400811 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400812 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400813 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400814 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400815 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400816 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400817 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400818 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400819 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400820 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400821 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400822 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400823 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400824 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400825 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400826 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400827 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400828 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400829 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400830 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400831 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400832 |  |  |  |  | C | A | D | D | B | A | A | B |  |
|  | GCATINV400833 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400834 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400835 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400836 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400837 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400838 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400839 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400840 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400841 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400842 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400843 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | GCATINV400844 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400845 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400846 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400847 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400848 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400849 |  |  |  |  | B | A | D | D | B | A | A | B |  |
|  | GCATINV400850 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400851 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400852 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400853 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400854 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400855 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400856 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400857 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400858 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400859 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400860 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400861 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400862 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400863 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400864 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400865 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400866 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400867 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400868 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400869 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400870 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400871 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400872 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400873 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400874 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400875 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400876 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400877 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400878 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400879 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400880 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400881 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400882 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400883 |  |  |  |  | B | A | D | D | B | A | A | B |  |
|  | GCATINV400884 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400885 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400886 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400887 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400888 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400889 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400890 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400891 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400892 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400893 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | GCATINV400894 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400895 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400896 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400897 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400898 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400899 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400900 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400901 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400902 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400903 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400904 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400905 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400906 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400907 |  |  |  |  | B | A | D | D | B | A | A | B |  |
|  | GCATINV400908 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | GCATINV400909 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400910 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400911 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400912 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400913 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400914 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400915 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400916 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400917 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400918 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400919 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400920 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | GCATINV400921 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400922 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400923 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400924 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400925 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400926 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | GCATINV400927 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400928 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400929 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | GCATINV400930 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | GCATINV400931 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | GCATINV400932 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | GCATINV400933 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400934 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | GCATINV400935 |  |  |  |  | A | C | D B C | D C | A | A | B | B |  |
|  | GCATINV400936 |  |  |  |  | A | A | D B C | D B C | A | A | B | B |  |
|  | GCATINV400937 |  |  |  |  | B | C | D | D | A | A | A | A |  |
|  | GCATINV400938 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | GCATINV400939 |  |  |  |  | B | C | D | D | B | A | A | B |  |
|  | GCATINV400940 |  |  |  |  | A | B | D B C | D B C | A | B | B | B |  |
|  | GCATINV400941 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | GCATINV400942 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | GCATINV400943 |  |  |  |  | A | A | A | A | A | A | A | A |  |
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---

## Exhibit 99.3

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.3**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
|  | GCATINV400035 |  |  |  | 33173444 |  | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [Redacted], Broker and Servicer Act: Borrower not charged actual amount for third party fees. | Appraisal invoice for $[Redacted]but borrower paid $[Redacted]on Closing Disclosure. |  |  |  | Reviewer Comment (2025-05-06): Updated invoice provided.<br>Seller Comment (2025-05-05): Final CD<br>Seller Comment (2025-05-05): Please note that the appraisal fee as per the appraisal invoice is $[Redacted]and the fee charged on CD is also $[Redacted], so there is no violation of statute.<br> Please find the appraisal invoice and the final CD attached for your reference. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400063 |  |  |  | 32976508 |  | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | West Virginia Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. | File must contain invoices for all fees paid to third parties to support the borrower was charged no more than the actual amount. File currently contain no invoices. |  |  |  | Reviewer Comment (2025-03-18): Received third party invoices.<br>Seller Comment (2025-03-17): title invoice<br>Reviewer Comment (2025-03-11): Received credit report and appraisal invoice however still missing invoice for title fees.<br>Seller Comment (2025-03-10): invoices | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400015 |  |  |  | 32354767 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Work Number for the co-borrower dated [Redacted] is [Redacted] business days from the note date of [Redacted] and the most recent [Redacted] is dated through [Redacted], which is not within [Redacted] business days of the note. Please provide the [Redacted] dated within [Redacted]business days prior to the note date, as required by [Redacted] guidelines. |  |  |  | Reviewer Comment (2024-10-30): VVOE from [Redacted] provided. LD is [Redacted] APOR. Post Close is allowed as per lender guidelines. Exception cleared.<br>Buyer Comment (2024-10-29): Please see the attached for the current work# verifying the clients employment up to and beyond closing. Regulations allow for income verification post closing on QM safe harbor loans. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400187 |  |  |  | 33275707 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing [Redacted] day verification for borrower with [Redacted] |  |  |  | Reviewer Comment (2025-05-08): Received VOE.<br>Seller Comment (2025-05-07): VVOE and processor cert | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400355 |  |  |  | 33506543 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The third party verification for [Redacted] was dated [Redacted] which was not within [Redacted] business days of [Redacted] closing. |  |  |  | Reviewer Comment (2025-06-02): Received VVOE<br>Reviewer Comment (2025-05-30): AUS required VVOE with [Redacted] business days prior to note date, post closing VVOE will not resolve.<br>Seller Comment (2025-05-29): uploaded [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400601 |  |  |  | 33675923 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The VVOE was dated [Redacted] which was not within 10 business days of [Redacted] closing. |  |  |  | Reviewer Comment (2025-06-26): Received [Redacted] dated [Redacted].<br>Seller Comment (2025-06-25): Please see the attached VVOE. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400746 |  |  |  | 33941044 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The file is missing the verbal verification of employment obtained within ten business days of closing. |  |  |  | Reviewer Comment (2025-06-19): Received Verbal verification of employment within [Redacted]business days of closing. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the screen shot attached confirming the VOE recert was completed on [Redacted]days prior to closing on [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400276 |  |  |  | 33488759 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification of employment via paystub does not appear to meet [Redacted] requirements. Additionally, no verification of employment via account (bank) statement within 15 business days of the note date has been provided. |  | AUS condition [Redacted]used asset report to verify employment. Based on [Redacted] asset report date, close-by date was [Redacted]. Since loan closed[Redacted], a new employment verification is required. |  |  |  | Reviewer Comment (2025-05-21): VVOE provided, exception cleared.<br>Seller Comment (2025-05-21): VOE dated [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400003 |  |  |  | 31239246 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The appraisal in file shows the zip code "[Redacted]" and as per Note its "[Redacted]". |  |  |  | Reviewer Comment (2024-09-09): As per address affidavit[Redacted], [Redacted] &[Redacted]both are one & the same. No more supporting document required. Exception cleared.<br>Seller Comment (2024-09-04): Hi, comment confirms condition was cleared, but the condition is showing as open still. Can you please clear this?<br>Reviewer Comment (2024-09-03): As per address affidavit [Redacted] [Redacted], [Redacted] & [Redacted] both are one & the same. No more supporting document required. Exception cleared.<br>Seller Comment (2024-08-29): Please see address affidavit confirming that "[Redacted]" and "[Redacted]" are one and the same. This is common in [Redacted], where the legal and mailing addresses often differ. The appraisal is correct as is, as are the hazard binder and note. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400017 |  |  |  | 32940660 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | City name on Note is [Redacted] and as per Valuation report its [Redacted]. |  |  |  | Reviewer Comment (2025-03-13): Received updated appraisal reflecting correct city.<br>Seller Comment (2025-03-12): appraisal updated<br>Reviewer Comment (2025-03-06): Please provide appraisal with correct address.<br>Seller Comment (2025-03-05): [Redacted] is an unincorporated community within [Redacted]. [Redacted]and [Redacted] are one in the same. Per Title This is in [Redacted]. That is the legal town, the documents will be recorded in the Town of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400037 |  |  |  | 33021530 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The appraisal in file shows the address is [Redacted] |  |  |  | Reviewer Comment (2025-03-20): Received updated appraisal reflecting correct city.<br>Seller Comment (2025-03-19): Property address city corrected | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400006 |  |  |  | 31625132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Insufficient or no cure was provided to the borrower. | Lender cure on final Closing Disclosure issued [Redacted] is under disclosed due to increase in Recording Fee to $[Redacted] and Appraisal re-Inspection fee addded $[Redacted]. Lender cure $[Redacted] on Closing Disclosure was not sufficient to cure [Redacted]% tolerance. |  |  |  | Reviewer Comment (2024-09-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-09-19): A cure of $[Redacted] for the Additional Appraisal Fee was provided to the borrower on Final CD. Please see attached [Redacted] and Final CD. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400007 |  |  |  | 32038393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2024-12-03): [Redacted] received [Redacted] , [Redacted] , proof of [Redacted] & copy of [Redacted] [Redacted].<br>Seller Comment (2024-12-03): Please see docs for condition |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400012 |  |  |  | 32091948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2024-12-06): [Redacted] received a valid COC.<br>Seller Comment (2024-12-05): On [Redacted] there was a relock on the file that caused pricing to increase. On [Redacted] loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2024-12-05): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400015 |  |  |  | 32354759 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted][Redacted] exceeds tolerance of [Redacted][Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [Redacted][Redacted] on the Binding Closing Disclosure dated [Redacted], but was disclosed as [Redacted][Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted][Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-10-31): [Redacted] Received Valid COC.<br>Buyer Comment (2024-10-30): This was requested by the broker on behalf of the client, the purchase agreement had an initial stipulation for closing on or before [Redacted] which was not met. This prompted the rush request to move the loan to closing as quickly as possible.<br>Reviewer Comment (2024-10-30): [Redacted] received system snip lieu of COC stating "[Redacted]" however we required the reason as to what caused that required to added the Rush. Kindly provide detail reason for [Redacted] requested in order to clear the exception<br>Buyer Comment (2024-10-29): Please see the attached from our LOS notes section, which confirms the increase in the appraisal fee was due to a rush request from the broker on [Redacted] which was disclosed to the client on the initial CD from [Redacted]<br>Buyer Comment (2024-10-29): Please see the attached from our LOS notes section, which confirms the increase in the appraisal fee was due to a rush request from the broker. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400017 |  |  |  | 32940543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted] Integrated Disclosure: [Redacted] Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee added on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-04-17): [Redacted] received [Redacted] , [Redacted] , proof of mailing & copy of [Redacted] check.<br>Seller Comment (2025-04-17): tracking showed movement on the [Redacted]th please clear<br>Reviewer Comment (2025-04-15): [Redacted] received LOE to borrower, Copy of Refund Check and proof of mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-04-14): copy of checl<br>Seller Comment (2025-04-14): loe<br>Seller Comment (2025-04-14): label<br>Reviewer Comment (2025-03-31): [Redacted] received corrected [Redacted] . Missing copy of refund check, proof of mailing and LOE to borrower to cure this exception.<br>Seller Comment (2025-03-28): Updated pccd<br>Reviewer Comment (2025-03-12): [Redacted] received rebuttal comment that sales contract is received after initial LE disclosed. However, the transfer taxes are not disclosed on initial LE. To validate the new information was received to lender after initial LE disclosed an additional supporting document will be required for timeline or else cure is required.<br>Seller Comment (2025-03-12): Rebuttal- Tolerance cure for Transfer Tax is not applicable on the loan as Transfer taxes were introduced once we received purchase contract from Title confirming that borrower will be held liable for any transfer tax or any other fees associated with the file. [Redacted]Snippet of contract attached for reference. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400018 |  |  |  | 32695291 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-01-30): [Redacted] received a valid COC.<br>Seller Comment (2025-01-29): COC for increase | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400031 |  |  |  | 33079094 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-04-15): [Redacted] received detailed rebuttal comment for change in pricing and as per COC.<br>Seller Comment (2025-04-14): The pricing on the loan changed due to the change in FICO from [Redacted]to [Redacted]. With this change the LLPA on the loan update ([Redacted]) to ([Redacted]). Please find the pricing change:<br> Old pricing= $[Redacted](~$[Redacted]) points<br> Old LLPA= -[Redacted]<br> New LLPA= -[Redacted]<br> Difference in LLPA= [Redacted]<br> Pricing Change= $[Redacted]<br> New Pricing= $[Redacted]+$[Redacted]= $[Redacted]<br>Reviewer Comment (2025-04-06): [Redacted]Discount point fee increased on LE dated [Redacted] without valid COC. File Contains COC dated [Redacted] but it does not give sufficient information on why the discount point fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-04-04): The cure is not valid because on the [Redacted] was not locked. The rate was locked on the redisclosure-package-[Redacted] where the points were disclosed as [Redacted]. Then the points were increased to [Redacted] on [Redacted] which was disclosed on redisclosure-package-[Redacted] dated [Redacted] within [Redacted] to the borrower of the increase. Therefore, the increase of points is valid. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400031 |  |  |  | 33079095 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] Received Additional information on the exception comment and corresponding COC present in file.<br>Seller Comment (2025-04-04): The cure for Final inspection fee is not valid. As per the appraisal report, the property is "subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed". SInce the appraisal activity was finished on [Redacted], and the final inspection fee was disclosed on redisclosure-package[Redacted]which is within the[Redacted]days of time disclosure. The cure is not valid. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400062 |  |  |  | 33227725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re- Inspection Fee added on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-04-27): [Redacted] Received [Redacted] along with supporting comments on the exception.<br>Seller Comment (2025-04-25): No cure required for final inspection fee as appraisal was reviewed on [Redacted] and was disclosed on [Redacted] Mach | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400062 |  |  |  | 33227727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] received rebuttal comment and as per COC dated [Redacted]<br>Seller Comment (2025-05-05): The Transfer taxes increased to $[Redacted]on LE dated [Redacted] from $[Redacted]on LE dated [Redacted] due to increase in loan amount from $[Redacted]on LE dated [Redacted] to $[Redacted]on LE dated [Redacted]. As this is a valid change a cure is not required and our generic COC was added on the LE dated [Redacted] mentioning the change in loan terms.<br>Reviewer Comment (2025-04-27): [Redacted]As per Commentary on the exception received LE dated[Redacted] and there is no change in loan amount on LE dated[Redacted] compared to last loan estimate[Redacted]. A valid Changed Circumstance or cure is required for transfer tax increased on LE dated[Redacted] sequence[Redacted] Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-04-25): No cure required for transfer taxes as it was increased due to increase in loan amount on[Redacted]. I have attached the LE | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400069 |  |  |  | 33291170 |  | 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 Realtor Transaction Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Realtor Transaction Fee added to closing disclosure dated [Redacted] in section C with no valid Change of circumstance. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] received corrected [Redacted] and LOE. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400069 |  |  |  | 33292222 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | HOA Fees added on closing disclosure issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] received corrected PCCD and LOE.<br>Seller Comment (2025-05-02): [Redacted]agrees that they incorrectly disclosed the HOA fees in section C on the Final Closing Disclosure. These HOA fees are applied to April dues and prepaid assessments. Pursuant to Regulation Z § [Redacted](g)(4), these fees should be disclosed in section H - Other. To rectify this, [Redacted]has issued the borrowers a PCCD with the correct placement of fees and a Letter of Explanation. Copies of this [Redacted]and LOX[Redacted]are enclosed with this response. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400075 |  |  |  | 33078971 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee decreased on [Redacted] Loan Estimate and again decreased on [Redacted] Closing Disclosure then increased on CD issued [Redacted] then, on CD issued [Redacted] then on CD issued [Redacted] with no valid change evident |  |  |  | Reviewer Comment (2025-04-01): [Redacted]received additional rebuttal comment with supporting rate lock document for a valid Changed circumstance.<br>Seller Comment (2025-03-27): LI [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On [Redacted] loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-03-27): LI [Redacted]On[Redacted] there was a relock on the file that caused pricing to increase. On [Redacted]loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400075 |  |  |  | 33078972 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-03-27): LI [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400095 |  |  |  | 33092882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as [Redacted] on Loan Estimate but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-02): [Redacted] received rate lock to confirm extension.<br>Seller Comment (2025-03-31): [Redacted]On wholesale loans, lock actions are acceptable changes of circumstance to update pricing. On [Redacted]there was a [Redacted] day Lock extension that occurred and it had an impact the final pricing of $[Redacted]and a new CD was disclosed to the borrower the same day. Please see attached CD and Lock Confirmation.<br>Seller Comment (2025-03-31): [Redacted]On wholesale loans, lock actions are acceptable changes of circumstance to update pricing. On [Redacted]there was a [Redacted]day Lock extension that occurred and it had an impact the final pricing of $[Redacted]and a new CD was disclosed to the borrower the same day. Please see attached CD and Lock Confirmation. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400102 |  |  |  | 33071848 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Verification Of Income Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-04-23): [Redacted] received Letter of Explanation, [Redacted], [Redacted], and [Redacted].<br>Seller Comment (2025-04-22): Please see the attached Letter of Explanation, Refund Check, PCCD, and Proof of Delivery.<br>Reviewer Comment (2025-04-01): [Redacted] received Changed Circumstance dated [Redacted] along with Loan estimate, but it does not give sufficient information on why the Verification of Income fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-31): LI [Redacted] Please see attached Change in circumstance and Loan estimate dated[Redacted] disclosing the Verification of Income Fee for $[Redacted]<br>Seller Comment (2025-03-31): LI [Redacted] Please see attached Change in circumstance and Loan estimate dated [Redacted] disclosing the Verification of Income Fee for $[Redacted] |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400115 |  |  |  | 33092010 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted]exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points fee increased on [Redacted] loan Estimate to [Redacted] with a valid change evident, fee increased to [Redacted] with no valid change of circumastance or cure provided. Please provide Post Closing Disclosure with cure of [Redacted] and evidence of borrower receipt. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received a valid COC.<br>Seller Comment (2025-04-03): [Redacted] The LE that were issued on [Redacted] was a floating LE. Due to this, the Discount Points can change per TILA [Redacted](e)([Redacted])(iv)(D). Please see attached lock confirmation from [Redacted] showing the Discount points and Closing Disclosure with Discount points showing as $[Redacted]<br>Seller Comment (2025-04-03): [Redacted] The LE that were issued on [Redacted] was a floating LE. Due to this, the Discount Points can change per TILA [Redacted](e)(3)(iv)(D). Please see attached lock confirmation from [Redacted] showing the Discount points and Closing Disclosure with Discount points showing as $[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400118 |  |  |  | 33084288 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as [Redacted] on Loan Estimate on [Redacted] and on Final Closing Disclosure dated [Redacted] increased and disclosed as [Redacted]. No valid COC or cure was provided to borrower. |  |  |  | Reviewer Comment (2025-04-04): [Redacted] received a valid [Redacted].<br>Seller Comment (2025-04-03): [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which increased the FICO to [Redacted] from [Redacted] which increased loan level pricing adjusters. A closing disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400125 |  |  |  | 33090032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was disclosed as $[Redacted]on initial LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received a valid [Redacted].<br>Seller Comment (2025-04-04): [Redacted] The initial LE that was issued on [Redacted] was floating so the Discount Points can change per TILA [Redacted]. On [Redacted] the loan locked with discounts points of $[Redacted] and disclosed a LE to the borrower | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400129 |  |  |  | 33086064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points on loan estimate $[Redacted] and on final closing disclosure fee increased to $[Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-04-01): [Redacted] Received Revised CD along with lock document.<br>Seller Comment (2025-03-31): LI [Redacted] The initial LE that was issued on [Redacted] was floating so the discount points can change per TILA [Redacted](e)([Redacted])(iv)(D). | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400134 |  |  |  | 33088268 |  | 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 [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | No valid change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] Received Valid COC along with LE.<br>Seller Comment (2025-04-07): [Redacted] [Redacted] Please see attached Documents. There was a Cofc on [Redacted] due to an additional Trip fee needed for additional appointment. A loan estimate was sent out the same day to disclose the change.<br>Seller Comment (2025-04-07): LI [Redacted] Please see attached Documents. There was a Cofc on [Redacted] due to an additional Trip fee needed for additional appointment. A loan estimate was sent out the same day to disclose the change.<br>Seller Comment (2025-04-07): LI[Redacted] Please see attached Documents. There was a Cofc on [Redacted] due to an additional Trip fee needed for additional appointment. A loan estimate was sent out the same day to disclose the change. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400138 |  |  |  | 33087778 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-17): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-16): Please see the attached Letter of Explanation, Refund Check, PCCD, and Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400161 |  |  |  | 33142951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on Loan Estimate issued [Redacted], change of circumstance stated Interest rate locked and Tax Cert changed. |  |  |  | Reviewer Comment (2025-04-02): [Redacted] received CD and the fee is within tolerance limit.<br>Seller Comment (2025-04-01): Hello. The [Redacted] Guarantee Fee is in section C. Please review the attached Post Closing CD. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400162 |  |  |  | 33143227 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted]Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on the Loan Estimate issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-04-03): [Redacted] received Post CD and LOX. The fees are within tolerance limit.<br>Seller Comment (2025-04-02): This fee is in section C on the Final CD. Please review and advise how we can proceed. Thank you for any clarity you can provide. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400162 |  |  |  | 33143513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted]Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted]LE, with no valid change evident. |  |  |  | Reviewer Comment (2025-04-08): [Redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Seller Comment (2025-04-07): Hello. Please see the Post Closing CD and loan history for the principal reduction in the amount of $[Redacted]. Thank you.<br>Seller Comment (2025-04-07): Hello. Please see the Post Closing CD and loan history for the principal reduction in the amount of $[Redacted] . Thank you.<br>Reviewer Comment (2025-04-04): [Redacted] : Principal reduction for cure is acceptable. Cure document should consist of Letter of Explanation, Payment History and Corrected CD.<br>Seller Comment (2025-04-03): Is a Principal Reduction in the amount of $[Redacted] acceptable? Thank you.<br>Reviewer Comment (2025-04-03): [Redacted] received comment. However, we would require total cure of $[Redacted] in order to cure the exception.<br>Seller Comment (2025-04-02): Hello. Please review the attached PCCD. [Redacted] allow a principal reduction to cure the increase? Also, please advise the total amount needed to cure. Thank you for your help. |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400182 |  |  |  | 33275874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] closing disclosure which is considered post close. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received [Redacted] Corrected CD, LOE to borrower, copy of settlement statement and lender attestation that [Redacted] PCCD was not issued to borrower. [Redacted] CD is final for fees with no increase over tolerance from final CD<br>Seller Comment (2025-04-24): Attached is LOX and certified final settlement statement.<br>Reviewer Comment (2025-04-24): [Redacted] Received PCCD dated [Redacted] along with LOE showing revised fees; however, LOE does not specify the changes made on PCCD dated [Redacted]. Also, require true and certified Final Settlement statement in order to verify loan closed as per provided PCCD. Provide Loe and True and Certified final SS.<br>Seller Comment (2025-04-22): Correct [Redacted] attached. Previous [Redacted] was never sent to borrower and was excluded from the timeline. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400186 |  |  |  | 33276033 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-04-18): [Redacted] Received Valid COC dated [Redacted] along with CD.<br>Seller Comment (2025-04-17): [Redacted] doc package with signed [Redacted] and [Redacted]<br>Seller Comment (2025-04-17): COC doc package with signed COC and e-sign log<br>Seller Comment (2025-04-17): [Redacted] doc package with signed [Redacted] and [Redacted] log | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400203 |  |  |  | 33283865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee added to [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] Received LOE stating survey was required by borrower.<br>Seller Comment (2025-04-18): Per Title Company; a survey was not required. The Borrower requested to have a survey completed and would be responsible to pay. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400212 |  |  |  | 33289982 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400242 |  |  |  | 33452419 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on Loan Estimate [Redacted] with no valid Change of Circumstance evident |  |  |  | Reviewer Comment (2025-05-20): [Redacted] received valid COC dated [Redacted]<br>Seller Comment (2025-05-19): All LE's disclosed to Borrower | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400247 |  |  |  | 33442552 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on Closing Disclosure issued on [Redacted], with no valid change evident. |  |  |  | Reviewer Comment (2025-05-22): [Redacted] received valid COC dated [Redacted]<br>Seller Comment (2025-05-21): pkg was labeled wrong, this is the correct one.<br>Seller Comment (2025-05-21): Audit log | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400251 |  |  |  | 33445913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on CD dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-06-06): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-04): Refunds to borrower packet<br>Reviewer Comment (2025-05-29): [Redacted]received attestation for rush fee. However, upon review, the COC and LOE does not provide the changed circumstance that resulted in an increase in the appraisal fee or addition of the rush fee. The COC documentation indicates the appraisal was, "ordered as an investment," and an appraisal rush fee was, "added." The initial [Redacted]was marked "investment" which would indicate a need to order appraisal as an investment was known at the time of application. With regard to the appraisal rush fee, the LOA indicates the borrower "agreed" to the appraisal rush fee, however, borrower agreement or confirmation is not a valid changed circumstance under [Redacted](e)(3)(iv)(A)-(F) as borrower agreement to the addition of the fee is not indicative of the request originating from the borrower. Invalid increases due to addition of appraisal rush fees was addressed on page [Redacted]of the CFPB Supervisory Highlight found here: https://files.consumerfinance.gov/f/documents/cfpb_supervisory-highlights_issue-[Redacted].pdf. If there is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please prove documentation to support and when creditor became aware of new information. Otherwise, cure is required for both the increase in appraisal fee and the $[Redacted] appraisal rush fee.<br>Reviewer Comment (2025-05-29): Cleared in error.<br>Reviewer Comment (2025-05-20): [Redacted] Received Valid COC dated [Redacted]<br>Seller Comment (2025-05-19): AUDIT LOG FOR [Redacted]<br>Seller Comment (2025-05-19): [Redacted] FOR [Redacted] FEE AND RUSH FEE CHANGE /ADDITION |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400251 |  |  |  | 33445914 |  | 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 Copy/Rush Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Copy/Rush fee added to Closing Disclosure dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-06-06): [Redacted]eceived PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-04): Refund to borrower packet<br>Reviewer Comment (2025-05-29): [Redacted] received attestation for rush fee. However, upon review, the [Redacted]and [Redacted]does not provide the changed circumstance that resulted in an increase in the [Redacted]fee or addition of the rush fee. The [Redacted]documentation indicates the appraisal was, "ordered as an investment," and an appraisal rush fee was, "added." The initial [Redacted]was marked "investment" which would indicate a need to order appraisal as an investment was known at the time of application. With regard to the appraisal rush fee, the [Redacted]indicates the borrower "agreed" to the appraisal rush fee, however, borrower agreement or confirmation is not a valid changed circumstance under [Redacted] as borrower agreement to the addition of the fee is not indicative of the request originating from the borrower. Invalid increases due to addition of appraisal rush fees was addressed on page [Redacted]of the [Redacted]Supervisory Highlight found here: [Redacted]. If there is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please prove documentation to support and when creditor became aware of new information. Otherwise, cure is required for both the increase in appraisal fee and the [Redacted] appraisal rush fee.<br>Seller Comment (2025-05-27): [Redacted] spoke over the phone to[Redacted] on [Redacted] and agreed to proceed with the Rush [Redacted]<br>Reviewer Comment (2025-05-23): [Redacted]received LOX stating borrower requested rush fee. However,we would require borrower conversation log or email communication when did the borrower requested for rush appraisal.<br>Seller Comment (2025-05-22): Per Loan Officer [Redacted], the Rush for Appraisal was requested and approved by the Borrower. See attached. thank you<br>Reviewer Comment (2025-05-20): [Redacted] received COC dated [Redacted]; however, it doesn't specify the reason as to why the rush was initiated. Kindly provide a valid [Redacted]or provide cure [Redacted]. Cure documents consist of Post [Redacted] and proof of mailing.<br>Seller Comment (2025-05-19): [Redacted]<br>Seller Comment (2025-05-19): COC RUSH FEE |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400251 |  |  |  | 33446855 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Discount Points increased on Closing Disclosure [Redacted] and again on [Redacted] with no valid change. |  |  |  | Reviewer Comment (2025-05-23): [Redacted] received a valid COC and CD.<br>Seller Comment (2025-05-22): CD APRIL [Redacted], [Redacted] AND AUDIT LOG<br>Reviewer Comment (2025-05-20): [Redacted] received changed circumstance dated [Redacted] but a corresponding CD was not provided. Please provide CD for further analysis.<br>Seller Comment (2025-05-19): COC AND LOE FOR POINTS | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400259 |  |  |  | 33486086 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Valid COC was not located in the loan file for the Transfer taxes increased on [Redacted]. |  |  |  | Reviewer Comment (2025-05-28): [Redacted]received COC dated [Redacted].<br>Seller Comment (2025-05-27): the Transfer Tax fee increased due to loan amount increased, please see attached snips<br>Reviewer Comment (2025-05-22): [Redacted] Received COC dated [Redacted] states pricing change is not a valid reason for increased transfer taxes. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-21): COC for Transfer Tax increase Disclosed on [Redacted]<br>Seller Comment (2025-05-21): Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. - COC Disclosed on [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400271 |  |  |  | 33480162 |  | 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 [Redacted]Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-22): The title admin fee were within tolerance limit.<br>Seller Comment (2025-05-21): Admin fee is a title fee in which borrower did shop for. This is not an APR fee | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400278 |  |  |  | 33504589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [Redacted] Loan Estimate with no valid change evident |  |  |  | Reviewer Comment (2025-05-29): [Redacted]Received Valid COC dated [Redacted].<br>Seller Comment (2025-05-28): LOX from AMC regarding complexity<br>Reviewer Comment (2025-05-26): [Redacted] received [Redacted] stating "[Redacted]"; however, we required the reason as to what caused the property to be complex .Kindly provide detail reason for [Redacted] in order to clear the exception<br>Seller Comment (2025-05-23): COC for Appraisal fee increase | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400297 |  |  |  | 33479486 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-25): A $[Redacted]lender credit was issued on the Final CD for the transfer tax increase; E.[Redacted]$[Redacted].[Redacted]$[Redacted]cure | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400318 |  |  |  | 33494193 |  | 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 TX Guaranty Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-02): [Redacted] received Letter of Explanation and Corrected CD.<br>Seller Comment (2025-05-30): PCCD/PR |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400354 |  |  |  | 33511968 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for [Redacted][Redacted]Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The TX Policy Fee was added on Closing Disclosure issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-05-29): Upon further review consumer within [Redacted]% tolerance requirements.<br>Seller Comment (2025-05-28): Hello. After review with our Compliance Team, they indicated that while our system does not print a COC cover letter when the loan remains within tolerance, we still complied with the requirements outlined in [Redacted]. Regulation [Redacted] does not explicitly require a cover letter for changes of circumstance disclosures. The key requirement is that the consumer receives the updated Loan Estimate reflecting the change. A missing COC cover letter does not mean we exceeded zero tolerance fees when they were disclosed on the CD within TRID timelines. The borrower got the disclosure of increased fees immediately. Please advise how we can proceed. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400357 |  |  |  | 33513108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan discount point increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-28): [Redacted]Received Valid COC dated [Redacted].<br>Seller Comment (2025-05-27): [Redacted] for tax cert<br>Seller Comment (2025-05-27): COC for points [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400357 |  |  |  | 33513109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Tax Certification fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-05-28): [Redacted]Received Valid COC dated [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400357 |  |  |  | 33513110 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-06-12): [Redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Seller Comment (2025-06-11): PCCD reflecting PR $[Redacted]<br>Seller Comment (2025-06-11): Pay history reflecting PR posted for $[Redacted]<br>Reviewer Comment (2025-06-09): [Redacted] received rebuttal. We would require cure of $[Redacted] either by check or principal reduction along with Post CD, LOX and proof of mailing in order to cure the exception.<br>Seller Comment (2025-06-06): You are looking for a refund of $[Redacted]is that correct?<br> Will you accept a Principal Reduction, or does it need to be borrower check?<br>Reviewer Comment (2025-06-04): [Redacted]received appraisal invoice and updated PCCD dated [Redacted] with appraisal fee of $[Redacted]. However, appraisal fee disclosed of $[Redacted]from CD dated [Redacted] to Final CD dated [Redacted] and the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Moreover, rental income is required would have been known at application due to the initial application indicates rental income was required and triggering the need to disclose all applicable fees. As it was not new knowledge the rent income used to required [Redacted]to increase the appraisal fee on [Redacted]. If there was an additional reason the fees increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Seller Comment (2025-06-03): appraisal invoice<br>Seller Comment (2025-06-03): When UW determined we were using rental income, we needed this[Redacted]<br> . The actual invoice for appraisal was lower than anticipated, so I am proving a PCCD with lower appraisal fee of [Redacted]<br>Reviewer Comment (2025-05-30): [Redacted]received rebuttal stating additional form Rent schedule form [Redacted]required however we would require additional information as to why the rent schedule was required. Kindly provide additional information for additional form [Redacted]in order to clear the exception.<br>Seller Comment (2025-05-29): Branch had to request the additional form Rent Schedule Form [Redacted]<br>Reviewer Comment (2025-05-28): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-27): COC tax cert<br>Seller Comment (2025-05-27): coc for [Redacted]<br>Seller Comment (2025-05-27): coc for appraisal |  | X |  | 2 C B |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400358 |  |  |  | 33510156 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received valid COC dated [Redacted]<br>Seller Comment (2025-05-29): [Redacted] for appraisal branch had to request add'l form [Redacted] rental schedule | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400358 |  |  |  | 33510168 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Tax Certificate Fee increased on [Redacted] Loan Estimate with no valid change evident |  |  |  | Reviewer Comment (2025-05-28): [Redacted] received a valid COC.<br>Seller Comment (2025-05-27): coc for tax cert<br>Seller Comment (2025-05-27): COC for appraisal<br> coc tax cert | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400358 |  |  |  | 33510182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-05-28): [Redacted]received a valid COC.<br>Seller Comment (2025-05-27): COC for points and appraisal<br>Seller Comment (2025-05-27): COC for points | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400364 |  |  |  | 33582850 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-18): [Redacted] received updated CD and valid Changed circumstance.<br>Seller Comment (2025-06-17): [Redacted]: Please see attached rate lock sheets, and corresponding disclosure. On [Redacted] the loan was relocked, negative pricing disclosed on the [Redacted] CD.<br>Seller Comment (2025-06-17): [Redacted] [Redacted]: Please see attached rate lock sheets, and corresponding disclosure. On [Redacted] the loan was relocked, negative pricing disclosed on the [Redacted] CD.<br>Seller Comment (2025-06-17): CT [Redacted]: Please see attached rate lock sheets, and corresponding disclosure. On [Redacted] the loan was relocked, negative pricing disclosed on the [Redacted] CD. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400370 |  |  |  | 33603973 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer tax increase on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-02): [Redacted]<br> received a valid COC.<br>Seller Comment (2025-07-01): There was a [Redacted] on [Redacted] to change the loan amount that also [Redacted] the [Redacted]. A Closing Disclosure was sent out same day [Redacted]. Please see attached Closing disclosures and Change of [Redacted]form.<br>Seller Comment (2025-07-01): There was a [Redacted]on [Redacted] to change the loan amount that also increased the taxes. A Closing Disclosure was sent out same day [Redacted]. Please see attached Closing disclosures and Change of Circumstance form. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400370 |  |  |  | 33604639 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] Received [Redacted] dated [Redacted] along with rate lock.<br>Seller Comment (2025-06-10): Assets and liabilities were updated by underwriting on 4.07 which the FICO to 689 from 679 (04.02.25) which effected the loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure.<br>Seller Comment (2025-06-10): Assets and liabilities were updated by underwriting on [Redacted] which the FICO to [Redacted]from [Redacted]([Redacted]) which effected the loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400370 |  |  |  | 33604777 |  | 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 $[Redacted]exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Fee added on[Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-07-23): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-07-22): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-07-07): [Redacted]reviews to SFA standards, and TRID Grid [Redacted], Row [Redacted]states: The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or [Redacted], rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. See Appendix for examples of sufficient and insufficient COC documentation. Please provide a dated copy or the conversation log in which the borrower requested the change for review and resolution.<br>Seller Comment (2025-07-02): The loan locked on [Redacted] with higher pricing than what was originally disclosed on the [Redacted] Loan estimate at $[Redacted]. The borrower chose to flip to borrower paid compensation to lower discount points to $[Redacted]. At [Redacted] we do not work with borrowers directly. The broker is our client and point of contact for the borrower. The Cofc provided is valid confirmation from the broker that the borrower requested this change.<br>Reviewer Comment (2025-06-11): [Redacted] Compensation plan changed from lender paid to borrower on CD dated [Redacted] without valid COC. Provided COC dated [Redacted] does not specify the reason for plan change. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected [Redacted] to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-06-10): Assets and liabilities were updated by underwriting on[Redacted]which the FICO to [Redacted]from [Redacted[Redacted]) which effected the loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400372 |  |  |  | 33584286 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-06-06): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from[Redacted]. On[Redacted] a Closing disclosure went out to the borrower to redisclose the Lender Credits being -[Redacted]and Discount points becoming a charge for the rate at [Redacted] Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-06): On [Redacted]the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to -[Redacted]or -$[Redacted]. On [Redacted]a Closing disclosure went out to the borrower to redisclose the Lender Credits being -$[Redacted]and Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-06): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to [Redacted]or [Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Lender Credits being -$[Redacted] and Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400373 |  |  |  | 33579064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] Received Rate lock dated [Redacted] along with CD.<br>Seller Comment (2025-06-06): TF[Redacted]<br> Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to[Redacted]) which decreased loan level pricing adjusters. On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted] or -$[Redacted] with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted] or $[Redacted] Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-06): [Redacted] [Redacted]and liabilities were updated by underwriting on [Redacted] which Decreased the [Redacted]to [Redacted] which decreased loan level [Redacted]. On [Redacted] there was a relock on the file that caused pricing to increase. On [Redacted] lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at [Redacted] or [Redacted] with lender paid compensation of[Redacted] and a Final Cost to the Borrower of [Redacted] or [Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400374 |  |  |  | 33581065 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Origination Fee was added as borrower paid on closing disclosure issued [Redacted], with no valid change of circumstance evident. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received COC dated [Redacted]<br>Seller Comment (2025-06-06): [Redacted] the borrower requested to change to Borrower paid [Redacted] to reduce discount points causing pricing to go from [Redacted] a Closing disclosure went out to the borrower. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-06): [Redacted] On [Redacted]the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. On [Redacted]a Closing disclosure went out to the borrower. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-06): [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted] On [Redacted] a Closing disclosure went out to the borrower. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400374 |  |  |  | 33605136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-27): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-06-25): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400394 |  |  |  | 33589168 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Origination Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received COC dated [Redacted]<br>Seller Comment (2025-06-23): [Redacted]: Please see attached Change of Circumstance forms and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-23): [Redacted] Please see attached Change of Circumstance forms and corresponding disclosures, borrower requested [Redacted] change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-23): [Redacted] [Redacted]: Please see attached Change of Circumstance forms and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400396 |  |  |  | 33604049 |  | 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 Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Attorney's Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-06-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-10): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Attorney's Fee<br>Seller Comment (2025-06-10): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Attorney's Fee | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400396 |  |  |  | 33604050 |  | 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 [Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-06-11): Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2025-06-10): [Redacted] Disagree - All title fees are not subject to tolerance as the borrower choose a title service provider that was not on the SPL. TRID [Redacted]clarified in the Commentary to TILA [Redacted](e)(3)(ii) -[Redacted] that this is true even if a fee was omitted from the initial LE. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400399 |  |  |  | 33605424 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Discount Points increased on Closing Disclosure dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] Received Valid Rate lock along with revised CD dated [Redacted].<br>Seller Comment (2025-06-10): LI[Redacted]<br> Assets and liabilities were updated by underwriting on[Redacted] which decreased the DTI to [Redacted] from [Redacted]% which added a loan level pricing adjusters "FICO [Redacted] LTV [Redacted] RT Refi". A closing disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing Disclosure<br>Seller Comment (2025-06-10): [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which decreased the[Redacted] from [Redacted] which added a loan level pricing adjusters [Redacted] Refi". A closing disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing Disclosure | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400401 |  |  |  | 33613157 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was added on [Redacted]Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-07-03): [Redacted]Received Valid COC dated [Redacted]<br>Seller Comment (2025-07-02): LI [Redacted] Disagree. At [Redacted] we do not work with borrowers directly. The broker is our client and point of contact for the borrower. The Cofc provided is valid confirmation from the broker that the borrower requested this change.<br>Reviewer Comment (2025-06-16): [Redacted] received rebuttal comment indicates that Revision requested by the consumer. But there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise cure is required to borrower.<br>Seller Comment (2025-06-12): LI [Redacted]On [Redacted]the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from[Redacted][Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-12): [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted] or [Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-06-12): [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. On [Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400410 |  |  |  | 33603997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on Closing Disclosure issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]Received Valid COC dated [Redacted]<br>Seller Comment (2025-06-10): [Redacted] [Redacted] On [Redacted] there was a cofc to flip to borrower paid comp to reduce discount points. A Closing disclosure was sent out to the borrower the same day to disclose the change. Please see attached Change of circumstance and closing disclosure<br>Seller Comment (2025-06-10): LI [Redacted] On [Redacted] there was a cofc to flip to borrower paid comp to reduce discount points. A Closing disclosure was sent out to the borrower the same day to disclose the change. Please see attached Change of circumstance and closing disclosure | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400419 |  |  |  | 33605658 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]received valid [Redacted] dated [Redacted]<br>Seller Comment (2025-06-10): LI [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted]with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-10): LI [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400419 |  |  |  | 33605659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared [Redacted]."<br>Seller Comment (2025-06-10): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Survey Fee | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400428 |  |  |  | 33606395 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received initial CD.<br>Seller Comment (2025-06-10): [Redacted] [Redacted] Disagree, the survey fee was always disclosed in section C until the Service Provider List was received. Upon review of the SPL the survey fee was determined to be unshoppable due to a survey provider not being listed on the SPL; and the survey was moved from section C to B prior to closing. The Survey fee did not increase after being moved to the correct section and the amount charged at closing did not exceed the estimate previously disclosed on baseline document. No [Redacted] is owed. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400436 |  |  |  | 33548050 |  | 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 [Redacted]/[Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted] increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-06-19): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-18): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400443 |  |  |  | 33540016 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-06-03): [Redacted] received valid rebuttal comment and supporting rate lock confirmation for the rate was relocked.<br>Seller Comment (2025-06-02): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Loan Estimate went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted]with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Loan Estimate.<br>Seller Comment (2025-06-02): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Loan Estimate went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of [Redacted] Please see attached lock confirmation and Loan Estimate. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400443 |  |  |  | 33540017 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [Redacted] Closing Disclosure with no valid change evident, $[Redacted]cure provided was not sufficient for additional tolerance violations.. |  |  |  | Reviewer Comment (2025-06-03): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-02): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400463 |  |  |  | 33561567 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on[Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-06-06): [Redacted]received a valid COC.<br>Seller Comment (2025-06-04): CT [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-04): CT 6/4: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-04): [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-04): [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested [Redacted] change to the compensation plan in order to reduce the discount points being charged | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400465 |  |  |  | 33562308 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Origination Fee added on closing disclosure issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-07-10): [Redacted] received sufficient comment and as per COC dated [Redacted]<br>Seller Comment (2025-07-08): The property type flipped from single family residence to a condo after underwriting reviewed on [Redacted]<br> This caused an increase in loan level price adjusters and increased pricing previously disclosed at $[Redacted]<br> up to $[Redacted]<br> . Once the appraisal came back with a higher value on [Redacted]<br> it was assumed the loan to value would move enough to lower the loan level pricing adjuster for LTV which would have lowered the pricing back down. Since they were not able to use the higher appraised value to lower the pricing for the borrower on [Redacted]<br> [Redacted] the compensation plan was flipped from lender paid to borrower paid in order to reduce the discount points charged to[Redacted]<br> , and increase lender credit to [Redacted]<br> hould not have been labeled act of god/war/ emergency. This was new information regarding borrowers transaction on[Redacted]<br> [Redacted]<br> nd ultimately borrower requested change on[Redacted]<br> to make the final change. Please advise what else is needed to move forward.<br>Reviewer Comment (2025-06-06): [Redacted] received Changed Circumstance dated [Redacted], but the reason mentioned is not a valid for loan origination compensation fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of [Redacted]and copy of refund check.<br>Seller Comment (2025-06-04): [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-04): [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested [Redacted] change to the compensation plan in order to reduce the discount points being charged<br>Seller Comment (2025-06-04): [Redacted] [Redacted]: Please see attached Change of Circumstance form, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400475 |  |  |  | 33541331 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on Loan Estimate issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-06-03): [Redacted] received COC dated [Redacted].<br>Seller Comment (2025-06-02): Disagree: There was a Loan amount change on [Redacted]. Assets and liabilities were updated by underwriting on [Redacted] which Increased the DTI to [Redacted]% from [Redacted]% ([Redacted]) making the final cost adjust as well. Final price went from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. Please see the attached Lock Confirmation and Loan Estimate.<br>Seller Comment (2025-06-02): Disagree: There was a Loan amount change on[Redacted]. Assets and liabilities were updated by underwriting on [Redacted]which Increased the DTI to [Redacted]% from [Redacted]% ([Redacted]) making the final cost adjust as well. Final price went from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. Please see the attached Lock Confirmation and Loan Estimate.<br>Seller Comment (2025-06-02): Disagree: There was a Loan amount change on [Redacted]. Assets and liabilities were updated by underwriting on [Redacted] which Increased the DTI to [Redacted]% from [Redacted]% ([Redacted]) making the final cost adjust as well. Final price went from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. Please see the attached Lock Confirmation and Loan Estimate. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400487 |  |  |  | 33563993 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-05): [Redacted] Received Valid COC along with CD.<br>Seller Comment (2025-06-04): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-04): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at [Redacted]% or [Redacted] with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400494 |  |  |  | 33613429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-10): [Redacted]<br> eceived denial letter to remove LE dated [Redacted]<br>Seller Comment (2025-07-08): Thank you for clarifying the concern. The document tracking we provided (doc [Redacted]) confirms both the Loan estimate and loan application from the origination package were received (consent by borrower and opened/ reviewed) on [Redacted]. So they did receive the loan app and LE timely to all the pieces of information being collected. We are using electronic delivery which is compliant for timing of early disclosures. Please see § [Redacted](e)(1)(iv). Comment [Redacted](e)([Redacted])(iv)-[Redacted] states that provider may receive consumers acknowledgement of receipt same day in conjunction with being within e-sign act compliance, I have added our electronic delivery platforms certification confirming the borrower consented to received this electronic package prior to being sent the documents on [Redacted].<br>Reviewer Comment (2025-07-08): [Redacted]received rebuttal comment that the loan application and loan estimate were both issued on [Redacted]. But please see doc ID [Redacted]provided loan application in the loan file indicates borrower and loan officer signed and dated on [Redacted] after the loan estimate issued. [Redacted]-day timing test starts upon receipt of the application (as defined under [Redacted](a)([Redacted]) and related commentary) by the originator. On wholesale transactions, the [Redacted] days starts the date the broker receives the application irrespective of when the lender/creditor was selected, notified, or received the application. [Redacted](e)([Redacted])([Redacted]), If the [Redacted] pieces of information were provided by the borrower and the loan originator accepted the application the timing begins on the date the originator or borrower signed the application (whichever is earlier) and the initial document sent to borrower within [Redacted] business days of application. Unless that was incorrectly entered by originator, then we would need documented proof of when lender/broker received the [Redacted]pieces of information to support the date ([Redacted].<br>Seller Comment (2025-07-03): the origination package including the loan application and loan estimate were both issued on[Redacted], received on [Redacted] and both were signed on[Redacted]. See attached trid tracking.<br>Reviewer Comment (2025-07-02): [Redacted] received LOX for rebuttal comment and Case details for the [Redacted]-application withdrawn on [Redacted] due the different loan application. However, the initial LE in the transaction is dated [Redacted] and was signed by the borrower. All applications in loan file indicate an application date ([Redacted]) after [Redacted] Please provide copy of initial application for testing.<br>Seller Comment (2025-07-01): The withdrawn loan #[Redacted]was not denied or invalid and therefore did not require further denial letter. Per discussion with the [Redacted], in a wholesale mortgage transaction the broker is acting as the borrower's agent, and as such any request received from the broker or borrower directly, or indirectly, should be considered to be a request from the borrower to withdraw the loan. See attached withdrawal request submitted from broker's email on [Redacted]<br>Reviewer Comment (2025-06-26): [Redacted] received rebuttal, however there is no CD dated [Redacted] available in file. We have LE dated [Redacted] with loan id # [Redacted]. If the loan was withdrawn, we require denial/withdrawn letter along with attestation confirming the LE dated [Redacted] is from different loan.<br>Seller Comment (2025-06-24): TF [Redacted] Disagree - The CD with an issue date [Redacted] is a withdrawn loan #[Redacted]. It is not for loan [Redacted]. Please remove this CD from your analysis. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400494 |  |  |  | 33613430 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Origination Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-10): [Redacted] received denial letter to remove LE dated [Redacted]<br>Seller Comment (2025-07-08): Thank you for clarifying the concern. The document tracking we provided [Redacted]) confirms both the Loan estimate and loan application from the origination package were received (consent by borrower and opened/ reviewed) on [Redacted]. So they did receive the loan app and LE timely to all the pieces of information being collected. We are using electronic delivery which is compliant for timing of early disclosures. Please see §[Redacted]. [Redacted] states that provider may receive consumers acknowledgement of receipt same day in conjunction with being within e-sign act compliance, I have added our electronic delivery platforms certification confirming the borrower consented to received this electronic package prior to being sent the documents on [Redacted]<br>Reviewer Comment (2025-07-08): [Redacted]received rebuttal comment that the loan application and loan estimate were both issued on [Redacted]. But please see doc [Redacted] provided loan application in the loan file indicates borrower and loan officer signed and dated on [Redacted] after the loan estimate issued. [Redacted] timing test starts upon receipt of the application (as defined under [Redacted] and related commentary) by the originator. On wholesale transactions, the [Redacted] days starts the date the broker receives the application irrespective of when the lender/creditor was selected, notified, or received the application. [Redacted], If the [Redacted] pieces of information were provided by the borrower and the loan originator accepted the application the timing begins on the date the originator or borrower signed the application (whichever is earlier) and the initial document sent to borrower within [Redacted] business days of application. Unless that was incorrectly entered by originator, then we would need documented proof of when lender/broker received the [Redacted] pieces of information to support the date [Redacted].<br>Seller Comment (2025-07-03): the origination package including the loan application and loan estimate were both issued on [Redacted], received on [Redacted] [Redacted] and both were signed on [Redacted]. See attached trid tracking.<br>Reviewer Comment (2025-07-02): [Redacted]received LOX for rebuttal comment and Case details for the [Redacted]-application withdrawn on [Redacted]due the different loan application. However, the initial LE in the transaction is dated [Redacted] and was signed by the borrower. All applications in loan file indicate an application date ([Redacted]) after [Redacted]. Please provide copy of initial application for testing.<br>Seller Comment (2025-07-01): TF [Redacted]<br> was not denied or invalid and therefore did not require further denial letter. Per discussion with the CFPB, in a wholesale mortgage transaction the broker is acting as the borrower's agent, and as such any request received from the broker or borrower directly, or indirectly, should be considered to be a request from the borrower to withdraw the loan. See attached withdrawal request submitted from broker's email on[Redacted]<br>Seller Comment (2025-07-01): [Redacted] The withdrawn loan #[Redacted]was not denied or invalid and therefore did not require further denial letter. Per discussion with the CFPB, in a [Redacted][Redacted]transaction the [Redacted]is acting as the borrower's agent, and as such any request received from the broker or borrower directly, or indirectly, should be considered to be a request from the borrower to withdraw the loan. See attached withdrawal request submitted from broker's email on [Redacted]<br>Seller Comment (2025-07-01): The withdrawn loan #[Redacted]was not denied or invalid and therefore did not require further denial letter. Per discussion with the CFPB, in a wholesale mortgage transaction the broker is acting as the borrower's agent, and as such any request received from the broker or borrower directly, or indirectly, should be considered to be a request from the borrower to withdraw the loan. See attached withdrawal request submitted from broker's email on [Redacted]<br>Reviewer Comment (2025-06-26): [Redacted] received rebuttal, however there is no CD dated [Redacted] available in file. We have LE dated [Redacted] with loan id # [Redacted]. If the loan was withdrawn, we require denial/withdrawn letter along with attestation confirming the LE dated [Redacted] is from different loan.<br>Seller Comment (2025-06-24): TF[Redacted] Disagree - The CD with an issue date [Redacted]5 is a withdrawn loan #[Redacted]. It is not for loan [Redacted]. Please remove this CD from your analysis. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400517 |  |  |  | 33615361 |  | 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 Hazard Insurance Premium. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Hazard premium was moved from section F to Section B on closing disclosure issued [Redacted]. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] received corrected PCCD and LOE<br>Seller Comment (2025-06-27): Please see attached Final Settlement Statement<br>Reviewer Comment (2025-06-20): [Redacted] received corrected PCCD and LOE moving the fee in correct section. However, the PCCD is over [Redacted]days from the closing need a true and certified copy of final SS to finalize the fees.<br>Seller Comment (2025-06-19): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400521 |  |  |  | 33617216 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-13): [Redacted]received valid COC dated [Redacted]<br>Seller Comment (2025-06-12): CT[Redacted]: Initial LE was unlocked, pricing permitted to change with impunity on floated rate LE. Locked [Redacted], please see attached CD<br>Seller Comment (2025-06-12): CT [Redacted]: Initial LE was unlocked, pricing permitted to change with impunity on floated rate LE. Locked [Redacted], please see attached CD | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400521 |  |  |  | 33617217 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-13): Sufficient cure provided at closing<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of [Redacted] for the Transfer Tax fee | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400529 |  |  |  | 33592546 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount points Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-06-09): [Redacted]received a valid COC.<br>Seller Comment (2025-06-09): [Redacted] The initial LE that was issued on [Redacted] was floating so the Discount Points can change per TILA [Redacted](e)([Redacted])(iv)(D). On [Redacted] the loan locked with discounts points of $[Redacted]and disclosed a LE to the borrower. Please see attached redisclosed LE, and Final CD.<br>Seller Comment (2025-06-09): [Redacted] The initial LE that was issued on [Redacted] was floating so the Discount Points can change per TILA [Redacted]. On [Redacted]the loan locked with discounts points of $[Redacted] and disclosed a LE to the borrower. Please see attached redisclosed LE, and Final CD. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400531 |  |  |  | 33615402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received locked LE dated [Redacted]<br>Seller Comment (2025-06-12): [Redacted]: Please see attached COCs and corresponding disclosures. On [Redacted] the loan was relocked, affecting the [Redacted], negative pricing disclosed on the [Redacted]CD. On [Redacted] the loan amount was changed, affecting the[Redacted], negative pricing disclosed on the [Redacted]CD.<br>Seller Comment (2025-06-12): [Redacted]: Please see attached COCs and corresponding disclosures. On [Redacted] the loan was relocked, affecting the LLPA, negative pricing disclosed on the [Redacted] CD. On [Redacted] the loan amount was changed, affecting the LLPA, negative pricing disclosed on the [Redacted] CD.<br>Seller Comment (2025-06-12): [Redacted]: Please see attached COCs and corresponding disclosures. On [Redacted] the loan was relocked, affecting the [Redacted], negative pricing disclosed on the [Redacted]. On [Redacted] the loan amount was changed, affecting the [Redacted], negative pricing disclosed on the [Redacted] CD.<br>Seller Comment (2025-06-12): [Redacted][Redacted]: Please see attached COCs and corresponding disclosures. On [Redacted] the loan was relocked, affecting the [Redacted] , negative pricing disclosed on the [Redacted] CD. On [Redacted] the loan amount was changed, affecting the LLPA, negative pricing disclosed on the [Redacted] CD. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400531 |  |  |  | 33615403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-12): CT[Redacted]: Please see attached Closing Disclosure reflecting a tolerance credit of $[Redacted] for the Appraisal fee | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400533 |  |  |  | 33539435 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee added on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received rebuttal comment for borrower required survey fee.<br>Seller Comment (2025-06-11): Disagree - the fee was optional/shoppable as they were using the old plot map but borrower chose to get a new survey. Because they went with a provider who was not on the [Redacted] the survey is not subject to tolerance. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400542 |  |  |  | 33534092 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received [Redacted], LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-27): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400582 |  |  |  | 33573506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on loan estimate issued [Redacted] with no valid change evident. Loan amount increased but LTV did not change, points increased from [Redacted]to [Redacted]. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] Received [Redacted] LE along with COC.<br>Seller Comment (2025-06-11): Hello. Please see the attached [Redacted]with LE issued on [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400588 |  |  |  | 33672708 |  | 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 TX Guaranty Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee Added on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-26): Upon review, consumer within [Redacted]% tolerance requirement<br>Seller Comment (2025-06-24): Hello. Upon review of the [Redacted] For and therefore, there is no tolerance for the increase of the fees in this section. Please review and advise how we can proceed. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400598 |  |  |  | 33674485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Administration Fee increased on <br> [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-26): [Redacted] Upon further review, fee within tolerance limit.<br>Seller Comment (2025-06-25): PCCD<br>Seller Comment (2025-06-24): The title fees are in box C because the borrower chose their own title [Redacted] VS the [Redacted] suggested provider. Fees in box C are not subject to a tolerance | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400599 |  |  |  | 33680427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-26): [Redacted] upon further review, fee within tolerance limit.<br>Seller Comment (2025-06-25): I would like to dispute the admin fee. It is a [Redacted] and borrower shopped for this provider as it was not our service providers | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400607 |  |  |  | 33732599 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate, change form indicated rate locked which would not effect tax certificate fee. Change form did not indicate a reason for fee increase. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] received a valid COC.<br>Seller Comment (2025-07-01): Hello. Please see the attached COC Letter issued on [Redacted] and advise how we can proceed. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400613 |  |  |  | 33788089 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal rent fee increased on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-07-10): [Redacted] Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2025-07-08): Check Copy<br>Reviewer Comment (2025-07-02): [Redacted] received [Redacted], [Redacted]and Proof of Mailing; Copy of check is missing. Also, [Redacted]tracking indicates label has been created, but package has not been shipped. Proof of mailing and Copy of check required to cure.<br>Seller Comment (2025-07-01): Cure docs |  | X |  | 2 C B |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400628 |  |  |  | 33731665 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-30): [Redacted]Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-26): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400635 |  |  |  | 33757430 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee added on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] Received Lock dated [Redacted] along with supporting comments on the exception.<br>Seller Comment (2025-07-17): the underwriting fee was originally waived and then was unwaived by change in circumstance on [Redacted]<br>Reviewer Comment (2025-07-14): "[Redacted]received lock document [Redacted]; however, locn lock is not a valid reason for addition of underwriting. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-07-10): The loan was not locked until [Redacted]<br>Reviewer Comment (2025-07-01): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the [Redacted] fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Seller Comment (2025-06-30): [Redacted] Disagree - Please see attached approved Change Of Circumstances Request for [Redacted], Closing Disclosure that was sent out same day [Redacted], and Trid Worksheet.<br>Seller Comment (2025-06-30): [Redacted] - Please see attached approved Change Of Circumstances Request for [Redacted], Closing Disclosure that was sent out same day [Redacted], and Trid Worksheet.<br>Seller Comment (2025-06-30): [Redacted] [Redacted] Disagree - Please see attached approved Change Of Circumstances Request for [Redacted], Closing Disclosure that was sent out same day [Redacted], and Trid Worksheet. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400647 |  |  |  | 33733676 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Underwriting Fee added to CD [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received valid rebuttal comment with additional information with attestation letter for the [Redacted]and CD are the same fee.<br>Seller Comment (2025-07-17): this is a correspondent loan, the broker is the lender and used their own loan estimate for initial disclosures. When the loan was imported into [Redacted] system on April[Redacted]th, our processing team conducted a thorough review. During this process, we updated the fee names to align with [Redacted] approved nomenclature.The "Administration Fee" was renamed to "Underwriting Fee" to reflect that [Redacted] is now managing the underwriting of this loan.The "Document Preparation Fee" was renamed to "Processing Fee" to correspond with [Redacted] standard terminology for the broker's document preparation services. This update helps to avoid confusion with "Doc Prep" fees typically associated with title or attorney document preparation.It is important to note that while the names of these fees were adjusted, the amounts and purposes of the fees remained unchanged. These modifications were made purely for consistency within our system and to prevent any potential misunderstandings.Please let us know if you require any further confirmation or additional information.<br>Reviewer Comment (2025-07-10): [Redacted] Received LOA stating Initial LE is not on a [Redacted] document does not suffice this exception. Initial LE is received from Lender and exact fee name should be known at the time of Initial LE. Document Preparation fee, Administration fee, Processing fee and Underwriting fee are for different purposes and cannot be considered as same. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-07-08): LI [Redacted]Please see attached Attestation Letter<br>Seller Comment (2025-07-08): [Redacted] Please see attached Attestation Letter<br>Reviewer Comment (2025-07-07): [Redacted]received attestation letter for rebuttal comment. but it does not give sufficient information on why the fee was disclosed on LE as document preparation fee and administration and changed to disclosed as "[Redacted] and Underwriting fee" CD's. [Redacted] would require a Lender attestation with additional information on the attestation regarding the fee name changed on CD and [Redacted]can re-review for correct fee name or Cure would be due to borrower.<br>Seller Comment (2025-07-02): [Redacted][Redacted] Please see attached Attestation Letter.<br>Reviewer Comment (2025-06-30): [Redacted]further review Underwriting fee $[Redacted] added on CD and was not charged on initial LE instead of disclosed fee name as "[Redacted]". Since, [Redacted] is evidenced by the identical fee amount $[Redacted]for both fees. Provide LOE for attestation comment indicating fee name changed on CD or provide a valid COC for UW fee added on CD or else Cure documents required.<br>Seller Comment (2025-06-26): [Redacted] Disagree the UW Fee and Administration fee are synonymous. The Fee was disclosed on the initial LE. Please see attached | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400647 |  |  |  | 33733677 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Processing Fee added to CD [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-07-18): [Redacted]received valid rebuttal comment with additional information with attestation letter for the LE and CD are the same fee.<br>Seller Comment (2025-07-17): this is a correspondent loan, the broker is the lender and used their own loan estimate for initial disclosures. When the loan was imported into [Redacted] system on [Redacted], our processing team conducted a thorough review. During this process, we updated the fee names to align with [Redacted] approved nomenclature.The "[Redacted]" was renamed to "[Redacted]" to reflect that [Redacted] is now managing the underwriting of this loan.The "[Redacted]" was renamed to "[Redacted]" to correspond with [Redacted] standard terminology for the broker's document preparation services. This update helps to avoid confusion with "Doc Prep" fees typically associated with title or attorney document preparation.It is important to note that while the names of these fees were adjusted, the amounts and purposes of the fees remained unchanged. These modifications were made purely for consistency within our system and to prevent any potential misunderstandings.Please let us know if you require any further confirmation or additional information.<br>Reviewer Comment (2025-07-07): [Redacted]received attestation letter for rebuttal comment. but it does not give sufficient information on why the fee was disclosed on LE as document preparation fee and administration and changed to disclosed as "Processing fee and Underwriting fee" CD's. [Redacted]would require a Lender attestation with additional information on the attestation regarding the fee name changed on CD and [Redacted]can re-review for correct fee name or Cure would be due to borrower.<br>Reviewer Comment (2025-06-30): [Redacted] further review Processing fee $[Redacted]added on CD and was not charged on initial LE instead of disclosed fee name as "Document preparation fee". Since, Processing fee and document preparation fee is evidenced by the identical fee amount $[Redacted]for both fees. Provide LOE for attestation comment indicating fee name changed on CD or provide a valid COC for UW fee added on CD or else Cure documents required.<br>Seller Comment (2025-06-26): LI[Redacted] Disagree the Processing fee and Document Prep fee are synonymous. The Fee was disclosed on the initial LE. Please see attached | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400659 |  |  |  | 33756191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee increased on [Redacted] Closing Disclosure with no valid change evident |  |  |  | Reviewer Comment (2025-06-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-26): [Redacted]: Transfer tax baseline $[Redacted], LE not required to reflect cents. Please see the attached | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400666 |  |  |  | 33758419 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for [Redacted] Appraisal Fee. [Redacted] Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was added on the [Redacted] Closing Disclosure, with no valid change evident. |  |  |  | Reviewer Comment (2025-07-23): Based on provided documentation the transfer appraisal amount of $[Redacted]disclosure is acceptable.<br>Reviewer Comment (2025-07-23): [Redacted] received Final [Redacted] indicates that appraisal fee $[Redacted] and appraisal [Redacted] in the amount of $[Redacted]. However, on Post CD dated [Redacted] only disclosed appraisal fee of $[Redacted] and second appraisal fee was removed. Corrected CD and LOX required with second appraisal fee of $[Redacted] per Final SS along with refund cure of $[Redacted] for the appraisal [Redacted] fee added on [Redacted] CD.<br>Seller Comment (2025-07-22): attached. Please advise if anything else is needed to resolve.<br>Reviewer Comment (2025-07-21): [Redacted]received Letter of explanation and Corrected Closing disclosure for the [Redacted] was removed and to added with [Redacted] of $[Redacted]from $[Redacted]. Hence, we also required Final settlement statement to verify the specific fee applied to the same or Cure would be due to borrower.<br>Seller Comment (2025-07-18): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-07-18): [Redacted] received rebuttal and transfer letter, please provide corrected PCCD combining the fee to one and LOE to clear the exception.<br>Seller Comment (2025-07-17): see previous comment<br>Seller Comment (2025-07-17): The appraisal fees were charged previously because this is a transferred appraisal. Neither fee was charged in connection to this loan transaction. Transferred appraisal letter is attached.The broker disclosed the appraisal fee in good faith incase the transferred appraisal would not suffice. However, it did and when the invoices were requested, our fees team broke it out into two lines- but you will see the payee is the same and should not have been broken up for the updated appraisal fee of $[Redacted]. I can remove the fee from a [Redacted] to borrower if that will satisfy this condition, or combine back into one fee as originally disclosed and paid. PLease confirm which will satisfy this finding, tolerance is not owed.<br>Reviewer Comment (2025-07-11): [Redacted] received rebuttal and also there is an LOX stating on LE dated [Redacted] the Appraisal was split into [Redacted] which is incorrect since the acutal Appraisal fees on Initial LE dated [Redacted] is $[Redacted]. Kindly provide correct bifurcation for the Appraisal amount split on LE dated [Redacted] for $[Redacted].<br>Seller Comment (2025-07-09): Disagree - the fee decreased at closing which is not borrower harm.<br>Seller Comment (2025-07-09): [Redacted]<br>Reviewer Comment (2025-07-02): [Redacted]received attestation with bifurcation of amount for $[Redacted], however on LE appraisal fee disclosed is $[Redacted]. Please provide attestation with bifurcation of amount for $[Redacted] disclosed on LE.<br>Seller Comment (2025-06-30): TF[Redacted] Please see attached Attestation letter. The Appraisal Fee of $[Redacted] on the initial LE issued [Redacted]was split into Appraisal Fee of $[Redacted] and Appraisal Fee [Redacted]of[Redacted] on the CD issued on [Redacted]and $[Redacted] respectively, for a total of $[Redacted] on the final CD issued [Redacted]. Thus, the final CD total of second appraisal fees of $[Redacted[Redacted] did not exceed the original amount disclosed on the initial LE o[Redacted]<br>Seller Comment (2025-06-30): [Redacted] Please see attached Attestation letter. The Appraisal Fee of $[Redacted]on the initial LE issued [Redacted]was split into [Redacted]Fee of $[Redacted]and Appraisal Fee [Redacted] of $[Redacted]on the CD issued on [Redacted] and $[Redacted]and $[Redacted], respectively, for a total of $[Redacted]on the final CD issued [Redacted]. Thus, the final CD total of second appraisal fees of $[Redacted]did not exceed the original amount disclosed on the initial LE of $[Redacted].<br>Seller Comment (2025-06-30): [Redacted] Please see attached Attestation letter. The Appraisal Fee of $[Redacted]on the initial LE issued [Redacted] was split into Appraisal Fee of $[Redacted]and Appraisal Fee [Redacted] of $[Redacted]on the CD issued on [Redacted] and $[Redacted]and $[Redacted], respectively, for a total of $[Redacted]on the final CD issued [Redacted]. Thus, the final CD total of second appraisal fees of $[Redacted]did not exceed the original amount disclosed on the initial LE of $[Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400667 |  |  |  | 33784442 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on[Redacted]Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] Received Valid Rate lock along with supporting comments on the exception.<br>Seller Comment (2025-06-30): [Redacted] Assets and liabilities were updated by underwriting on [Redacted]which Decreased the FICO to [Redacted]from [Redacted]([Redacted]) which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure.<br>Seller Comment (2025-06-30): TF [Redacted]Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to [Redacted] from [Redacted] which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400667 |  |  |  | 33784443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]Received Valid COC along with revised CD and Approval.<br>Seller Comment (2025-06-30): [Redacted] Please see attached accepted Change Of Circumstances Request, UW condition, the Underwriter conditioned for a Underwriting Questionnaire Condition on [Redacted] in order to proceed with underwriter. A Closing Disclosure was sent out same day [Redacted]. [Redacted]business model for [Redacted] fee is based on previously pulled data which shows that the documents requested for the hoa/condo projects generally do not cause a charge to the borrower. It is reasonable for the broker to assume there will not be a charge at the time of initial LE. Common knowledge for the fee increase is generally not known until the required documents are processed.<br>Seller Comment (2025-06-30): [Redacted] Please see attached accepted Change Of Circumstances Request, UW condition, the Underwriter conditioned for a Underwriting Questionnaire Condition on [Redacted]in order to proceed with underwriter. A Closing Disclosure was sent out same day [Redacted]. [Redacted] business model for HOA/Condo/ PUD cert fee is based on previously pulled data which shows that the documents requested for the hoa/condo projects generally do not cause a charge to the borrower. It is reasonable for the broker to assume there will not be a charge at the time of initial LE. Common knowledge for the fee increase is generally not known until the required documents are processed.<br>Seller Comment (2025-06-30): [Redacted] Please see attached accepted Change Of Circumstances Request, UW condition, the Underwriter conditioned for a Underwriting Questionnaire Condition on [Redacted] in order to proceed with underwriter. A Closing Disclosure was sent out same day [Redacted]. [Redacted] business model for HOA/Condo/ PUD cert fee is based on previously pulled data which shows that the documents requested for the hoa/condo projects generally do not cause a charge to the borrower. It is reasonable for the broker to assume there will not be a charge at the time of initial LE. Common knowledge for the fee increase is generally not known until the required documents are processed. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400681 |  |  |  | 33788999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on closing disclosure issued [Redacted], change of circumstance stated loan amount changed, however points were increased outside of ratio. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] borrower within tolerance limit.<br>Seller Comment (2025-06-30): Disagree, the survey fee was always disclosed in [Redacted] until the Service Provider List was received. Upon review of the [Redacted]the survey fee was determined to be unshoppable due to a survey provider not being listed on the [Redacted]; and the survey was moved from [Redacted] prior to closing. The Survey fee did not increase after being moved to the correct section and the amount charged at closing did not exceed the estimate previously disclosed on baseline document. No refund is owed. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400681 |  |  |  | 33789000 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on closing disclosure issued [Redacted]<br> , change of circumstance stated loan amount changed, however points were increased outside of ratio. |  |  |  | Reviewer Comment (2025-07-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-30): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400687 |  |  |  | 33782483 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] Received Valid COC dated [Redacted] along with rate lock.<br>Seller Comment (2025-06-30): TF [Redacted]On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or[Redacted] with lender paid compensation of [Redacted]and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-30): TF [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted]with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400701 |  |  |  | 33789566 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted]Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount fee was added on the Closing Disclosure issued on [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]Received revised CD along with valid COC supporting comments on the exception.<br>Seller Comment (2025-06-30): [Redacted] [Redacted] Disagree: There was a Loan amount change on [Redacted]that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price went from[Redacted]% or [Redacted] to [Redacted]% or [Redacted]. Therefore eliminating the lender credit.<br>Seller Comment (2025-06-30): [Redacted] [Redacted] Disagree: There was a Loan amount change on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price went from -[Redacted]% or -$[Redacted] to [Redacted]% or $[Redacted]. Therefore eliminating the lender credit.<br>Seller Comment (2025-06-30): TF 6[Redacted]Disagree: There was a Loan amount change on [Redacted]that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price went from [Redacted]% or -[Redacted] to [Redacted]% or $[Redacted]. Therefore eliminating the lender credit. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400702 |  |  |  | 33787874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]Received revised cd along with supporting rate lock showing lock extended.<br>Seller Comment (2025-06-30): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted]with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of [Redacted] [Redacted] Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-30): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400702 |  |  |  | 33787875 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-30): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400703 |  |  |  | 33781913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was added on [Redacted] to $[Redacted] , the Changed Circumstance was dated [Redacted] which was after the fee was added. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received a valid COC.<br>Seller Comment (2025-07-17): [Redacted] appraisal came back subject to additional repair requiring final inspection to be added. See attached apprasal, change in circumstance submittied [Redacted] and redisclosure to borrower.<br>Seller Comment (2025-07-17): [Redacted]appraisal came back subject to additional repair requiring final inspection to be added. See attached apprasal, change in circumstance submittied 5/8 and redisclosure to borrower. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400704 |  |  |  | 33781887 |  | 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 [Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on closing disclosure issued [Redacted]. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-09): [Redacted]received COC dated [Redacted].<br>Seller Comment (2025-07-07): Please see attached accepted Change Of Circumstances Request, and Underwriting Final Inspection Condition. There was a valid COFC accepted for adding the Final Inspection Fee. Please see attached UW condition, the Underwriter conditioned for a Final Inspection [Redacted]in order to proceed with underwriter.<br>Reviewer Comment (2025-07-01): [Redacted] received Changed Circumstance dated [Redacted], however the fee added on [Redacted] CD which is prior to COC. Please provide valid COC or cure is required. Cure documents consist of [Redacted], LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-30): Please see attached accepted Change Of Circumstances Request, and Underwriting Final Inspection Condition. There was a valid COFC accepted for adding the Final Inspection Fee. Please see attached UW condition, the Underwriter conditioned for a Final Inspection [Redacted] in order to proceed with underwriter. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400715 |  |  |  | 33782786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received rate lock and comment for extension.<br>Seller Comment (2025-06-30): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-30): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted] or -[Redacted] with lender paid compensation of [Redacted]and a Final Cost to the Borrower of[Redacted] or [Redacted]lease see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400737 |  |  |  | 33940983 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-25): [Redacted]received Letter of Explanation, Proof of Delivery, [Redacted], and Corrected CD.<br>Buyer Comment (2025-06-24): Please see attached package mailed to borrower curing the issue. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400745 |  |  |  | 33941038 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted]on the Loan Estimate but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-20): [Redacted]received valid COC dated[Redacted]<br>Buyer Comment (2025-06-19): [Redacted] as agreed to by the client.<br>Reviewer Comment (2025-06-19): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the rush was requested. In order to determine if the changed circumstance is valid more information is necessary on reason rush was requested and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-18): Please see the attached screen shot from our LOS appraisal fee tracking item. The clients broker called in the [Redacted]and requested a rush on the appraisal as of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400939 |  |  |  | 34007406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Loan [Redacted][Redacted]. Fee Amount of $[Redacted] [Redacted] .[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Discount points increased on the Final CD without a valid COC or [Redacted]. Provide a valid COC for this change, or a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-21): [Redacted]received updated CD and valid Changed circumstance.<br>Buyer Comment (2025-07-18): Attached is the screenshot from our LOS confirming the date of the CIC as well as the disclosure reflecting the updated loan amount<br>Reviewer Comment (2025-07-18): [Redacted]: The referring to page #[Redacted]the reason provided is acceptable but the date of change is not mentioned on the document. Please provide COC with date of change or any information to validate the date of change suffice.<br>Buyer Comment (2025-07-17): Please see Pg [Redacted]of the loan file for documented [Redacted] of the loan amount increase. This is the valid [Redacted] for the dollar amount of the points.<br>Reviewer Comment (2025-07-17): [Redacted]received rebuttal. As per the guidelines certain variations between the amount disclosed and the amount charged are expressly permitted by the [Redacted]-[Redacted]Rule (See section [Redacted]below for additional information on which variations are permitted) (§ [Redacted]; The amount charged falls within explicit tolerance thresholds (and the estimate is not for a zero tolerance charge where variations are never permitted) (§[Redacted])) or § Changed circumstances or another triggering event under § [Redacted]) permits the charge to be changed and a revised [Redacted][Redacted], a Closing Disclosure, or a corrected Closing Disclosure is provided to the consumer in accordance with the[Redacted] Rule. (§ [Redacted]. Kindly provide [Redacted]or [Redacted]for the fee increased in order to clear the exception.<br>Buyer Comment (2025-07-16): A CIC for the change in loan amount is not required. The structure of the loan can change at any point in the origination process per clients written or verbal request. That request is not required to be recorded or documented because the loan amount is not held to and tolerance thresholds. The reason for the increase in the fees subject to tolerance thresholds was present in the loan file upon receipt of the loan images. Please review and clear.<br>Reviewer Comment (2025-07-16): [Redacted] received valid rebuttal comment. However, supporting changed of circumstance was not provided in the loan file for the same to associated with corresponding CD. Provide COC for the same to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-07-15): The loan discount points are expressed as [Redacted]% of the loan amount. The loan amount increased from $[Redacted]to $[Redacted]from the initial CD issued [Redacted] to the Final CD issued [Redacted], causing the points to increase. | X |  |  | 1 C A |  | X | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400945 |  |  |  | 34007444 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-16): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-07-16): Please see attached cure package mailed to the borrower curing the issue. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400972 |  |  |  | 34049518 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | VVOE Fee was not disclosed in the initial Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-21): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-18): Please see attached curing the issue. |  | X |  | 2 C B |  | X | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400974 |  |  |  | 34049527 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted]Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid [Redacted] was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-21): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-07-18): please see cure redisclosure pkg attached<br>Reviewer Comment (2025-06-30): [Redacted] received Changed Circumstance date[Redacted], but it does not give sufficient information on why the fee was increased and what was complex about the property. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of[Redacted]LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-27): Please see the screen shot attached confirming the fee increased on[Redacted] it was a [Redacted]property, which is a valid [Redacted]. |  | X |  | 2 C B |  | X | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401066 |  |  |  | 34100572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. Although there was a rate lock dated [Redacted]showing the increase in points, the reason for the increase in points was not documented. Please provide acceptable COC, or a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-16): [Redacted]received valid rebuttal comment and supporting system snip for additional information for valid changed circumstance.<br>Buyer Comment (2025-07-15): Please see attached [Redacted] of the rate changing from [Redacted]to [Redacted]on [Redacted] This caused the pricing to change. Please review to clear this exception. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400006 |  |  |  | 31691418 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted][Redacted]Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400075 |  |  |  | 33151501 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-01): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400076 |  |  |  | 33079296 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Tolerance exceeded for [Redacted]. [Redacted] of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400079 |  |  |  | 33092831 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax Fee increased to [Redacted] without a valid change of circumstance, cure was provided. |  |  |  | Reviewer Comment (2025-03-21): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400093 |  |  |  | 33078700 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400093 |  |  |  | 33078701 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400093 |  |  |  | 33078702 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400094 |  |  |  | 33080754 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400094 |  |  |  | 33080755 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400110 |  |  |  | 33071242 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-18): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400126 |  |  |  | 33086054 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400136 |  |  |  | 33078608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-18): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400180 |  |  |  | 33216092 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400205 |  |  |  | 33283545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400221 |  |  |  | 33277438 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: [Redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-26): [Redacted]Cure Provided At [Redacted] |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400258 |  |  |  | 33453079 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400263 |  |  |  | 33448938 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400297 |  |  |  | 33516783 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400363 |  |  |  | 33579790 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400366 |  |  |  | 33540938 |  | 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 Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400367 |  |  |  | 33606545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400367 |  |  |  | 33606546 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400367 |  |  |  | 33606547 |  | 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 Administration Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400367 |  |  |  | 33606548 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400379 |  |  |  | 33590996 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400396 |  |  |  | 33624666 |  | 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's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400404 |  |  |  | 33607231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400418 |  |  |  | 33606598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400419 |  |  |  | 33624162 |  | 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 Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400431 |  |  |  | 33548549 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400438 |  |  |  | 33626754 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400443 |  |  |  | 33813317 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400446 |  |  |  | 33538968 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400459 |  |  |  | 33589163 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400470 |  |  |  | 33559395 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400471 |  |  |  | 33541653 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400476 |  |  |  | 33554589 |  | 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 [Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400478 |  |  |  | 33540087 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400480 |  |  |  | 33562514 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400482 |  |  |  | 33580908 |  | 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 Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400491 |  |  |  | 33606352 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400492 |  |  |  | 33548740 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400501 |  |  |  | 33592676 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400509 |  |  |  | 33626808 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400515 |  |  |  | 33619880 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400518 |  |  |  | 33618085 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400521 |  |  |  | 33649066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400530 |  |  |  | 33616199 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400531 |  |  |  | 33649116 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400537 |  |  |  | 33615474 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400540 |  |  |  | 33541928 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400543 |  |  |  | 33563455 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400548 |  |  |  | 33549143 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400552 |  |  |  | 33626375 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400558 |  |  |  | 33581520 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400558 |  |  |  | 33581521 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400578 |  |  |  | 33571516 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400581 |  |  |  | 33572552 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400585 |  |  |  | 33618342 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400614 |  |  |  | 33786545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400620 |  |  |  | 33788608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400628 |  |  |  | 33804717 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400629 |  |  |  | 33730958 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400637 |  |  |  | 33764030 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400640 |  |  |  | 33788660 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400641 |  |  |  | 33733884 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400649 |  |  |  | 33788740 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was disclosed on Initial Loan estimate as $[Redacted]but disclosed on final Closing disclosure $[Redacted]File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400659 |  |  |  | 33804827 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-06-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400661 |  |  |  | 33763388 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400669 |  |  |  | 33787108 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400673 |  |  |  | 33788374 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee was added on closing disclosure issued [Redacted]<br> , change of circumstance stated loan amount changed, however points were increased outside of ratio. |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400680 |  |  |  | 33790061 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400680 |  |  |  | 33790062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400681 |  |  |  | 33814848 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400684 |  |  |  | 33781747 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400688 |  |  |  | 33782206 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400691 |  |  |  | 33781615 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased to $[Redacted]without a valid change of circumstance and cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400693 |  |  |  | 33787508 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400698 |  |  |  | 33788157 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400702 |  |  |  | 33815121 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400708 |  |  |  | 33782846 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure B A | N/A | N/A | Yes |
|  | GCATINV400719 |  |  |  | 33786565 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400734 |  |  |  | 33940948 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400973 |  |  |  | 34049524 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401078 |  |  |  | 34307118 |  | 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 [Redacted] Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400467 |  |  |  | 33548544 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] [Redacted] Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided within [Redacted]Days of Closing |  | X |  | 1 A |  | X | Investment | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | N/A | N/A | Yes |
|  | GCATINV400482 |  |  |  | 33580545 |  | 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 [Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided within [Redacted]Days of Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400539 |  |  |  | 33541153 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided within [Redacted] Days of Closing |  | X |  | 1 A |  | X | Investment | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | N/A | N/A | Yes |
|  | GCATINV400579 |  |  |  | 33629298 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided within [Redacted]Days of Closing |  | X |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400006 |  |  |  | 31625131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Insufficient or no cure was provided to the borrower. | Recording Fee increased on Closing Disclosure issued [Redacted] with no valid change or cure provided. |  |  |  | Reviewer Comment (2024-09-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing [Redacted] resulting in a cleared exception.<br>Seller Comment (2024-09-19): Loan passed compliance test. Please review [Redacted] attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400007 |  |  |  | 32038420 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee increased on closing disclosure issued [Redacted]with no valid change evident. |  |  |  | Reviewer Comment (2024-12-03): [Redacted] received [Redacted]<br> , proof of mailing & copy of refund check.<br>Seller Comment (2024-12-03): Please see attachments in exception [Redacted] for condition |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400012 |  |  |  | 32091947 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]:[Redacted] Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee was increased on Closing Disclosure [Redacted] with no valid change evident or sufficient cure provided to the borrower. |  |  |  | Reviewer Comment (2024-12-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-12-05): $[Redacted]tolerance cure was provided for the increase in this fee as shown on final [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400017 |  |  |  | 32940597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee added on [Redacted]nd [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-04-17): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-17): tracking showed movement on the 15th please clear<br>Reviewer Comment (2025-04-15): [Redacted] received LOE to borrower, Copy of Refund Check and proof of mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-04-14): please see documentation uploaded for [Redacted] |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400069 |  |  |  | 33290810 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted] Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee increased on Loan Estimate issued on [Redacted] with no change of circumstance. |  |  |  | Reviewer Comment (2025-05-08): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-05-07): Cure docs<br>Reviewer Comment (2025-05-05): [Redacted] received rebuttal, however [Redacted]% tolerance is due to recording fee increased to $[Redacted]. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-05-02): [Redacted] disagrees with the statements that the Realtor Transaction Fee exceeded TRID's tolerance threshold. This fee along with all other fees listed in Section C identifies services for which the borrower chose their own service provider, these fees may be added or changed without regard to a tolerance limitation per Regulation Z § [Redacted](e)([Redacted])([Redacted]).<br>Seller Comment (2025-05-02): [Redacted]'s Compliance Department has reviewed the outstanding conditions on loan file #[Redacted]Crane and disagrees with the statements that the Recording fees exceeded TRID's tolerance threshold. The fee increased on [Redacted], [Redacted] complied with TRID's three-business day redisclosure requirement by sending a revised Closing Disclosure (CD) to the borrower on [Redacted]. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400073 |  |  |  | 33187950 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee Total were increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-09): [Redacted]received corrected [Redacted] and Final Settlement Statement.<br>Seller Comment (2025-05-08): Please see loe where [Redacted] was uploaded to [Redacted] portal<br>Reviewer Comment (2025-05-08): [Redacted]received PCCD and final settlement statement, however we also require LOE which accompanied the PCCD to finalize.<br>Seller Comment (2025-05-07): recording docs<br>Seller Comment (2025-05-07): Recording fee has been updated to $[Redacted]n the PCCD and the borrower has been refunded. Please find the link to the PCCD and the recorded docs.<br> PCCD - | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400174 |  |  |  | 33203524 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [Redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased on Loan Estimate issued [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-04-11): [Redacted] received corrected PCCD reconciled with the final SS and LOE.<br>Seller Comment (2025-04-09): PCCD---SHOWING LOWER RECORDING FEE |  | X |  | 2 C B |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400213 |  |  |  | 33289640 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of $[Redacted] - Title - Document Preparation Fee, $[Redacted]- Title - Lender's Title Insurance, $[Redacted]Title - Notary Fee, $[Redacted] - Title - Tax Pick Up Fee, $[Redacted] - Title - Release Tracking Fee and decreases $[Redacted] Recording Fee total, $[Redacted] - Title - Services Sales Tax on LE dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-05-13): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-05-12): refund package, check sent to borrower<br>Reviewer Comment (2025-05-05): [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-05-02): refund package<br>Reviewer Comment (2025-04-21): [Redacted] received rebuttal comment. However, all the title fees were disclosed is in section B of Final CD under borrower cannot shopped for the service section, hence the fees were exceeds of over [Redacted]% tolerance of $[Redacted] (ILE $[Redacted]+ [Redacted]% ($[Redacted]) = $[Redacted]- $[Redacted]FCD). Refund cure required to borrower in the amount of $[Redacted]with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Seller Comment (2025-04-18): please see attached email question regarding cure amount required ; we need to cure but can you request if a cure of $[Redacted] vs $[Redacted] will satisfy the condition please? A few fees had chump change. |  | X |  | 2 C B |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400255 |  |  |  | 33439609 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased on Closing Disclosure issued on [Redacted], change form showing additional recording fee was dated [Redacted], outside of [Redacted] days from re-disclosure. |  |  |  | Reviewer Comment (2025-06-06): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-06-05): check, ups, coc<br>Reviewer Comment (2025-05-28): [Redacted] received corrected PCCD and LOE updating cure of $[Redacted] but missing copy of refund check. Check is required to cure.<br>Seller Comment (2025-05-27): PCCD<br>Reviewer Comment (2025-05-21): [Redacted]received CD dated [Redacted] however we would require a valid COC for the fee increased on CD dated [Redacted] for $[Redacted]or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-05-20): CD [Redacted] |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400267 |  |  |  | 33473752 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased on closing disclosure issued [Redacted], change form indicated recording fee increased but there was no change noted. No Trust vesting or Power of Attorney required. |  |  |  | Reviewer Comment (2025-05-30): [Redacted]<br> eceived COC dated [Redacted]<br>Seller Comment (2025-05-29): attached coc | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400318 |  |  |  | 33494197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee Total increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for [Redacted]violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-26): [Redacted] lender credit was issued on the Final CD to cure | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400353 |  |  |  | 33505918 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Title - Document preparation fee and Recording Fee were increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received valid COC and Sufficient cure provided at closing<br>Seller Comment (2025-05-29): Hello. Please see the attached COC issued [Redacted], detailing that the borrower decided to use a [Redacted]. This is the reason for the increased fee. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400357 |  |  |  | 33514161 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased on closing disclosures issued [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received a valid [Redacted].<br>Seller Comment (2025-05-29): COC for recording fees | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400364 |  |  |  | 33582826 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee total were increased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-18): [Redacted]Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-17): [Redacted]: Please see the attached [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400397 |  |  |  | 33604029 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Title - Escrow Fee and Title - Messenger/Carrier fee was increased on [Redacted] CD with no valid change evident. Although fees are in section C, they are paid to provided on Settlement Service Providers List. |  |  |  | Reviewer Comment (2025-07-07): Upon further review, consumer was allowed to shop for service and fee bound by [Redacted]percent tolerance.<br>Seller Comment (2025-07-03): Disagree - Title - [Redacted] fee was always disclosed as $[Redacted], the Title - Courier / Express Mail / Messenger fee was always disclosed as $[Redacted]<br>Reviewer Comment (2025-07-03): [Redacted]: Title - Settlement fee increase of $[Redacted] from $[Redacted] and Title - Courier / Express Mail / Messenger fee $[Redacted]from $[Redacted]. This is causing to the fees are exceeds over [Redacted]% tolerance of $[Redacted] ($[Redacted] + [Redacted]% ($[Redacted]) = $[Redacted] - $[Redacted] [Redacted]). Provide valid COC for the fee was increased or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Seller Comment (2025-07-02): Disagree - Can you please clarify what documents you are referencing. I can not locate a difference in the fees from the loan estimate to the final CD other then the Lender Premium decreasing. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400443 |  |  |  | 33540015 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Title - Document Preparation Fee and Title-insurance binder were added on [Redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received lender certification confirming for the LE and CD disclosed are the same fee.<br>Seller Comment (2025-06-27): Please see attached.<br>Reviewer Comment (2025-06-27): [Redacted] received rebuttal comment. however, Title - Insurance [Redacted] added on revised LE dated [Redacted]and was not charged on initial LE instead of disclosed fee description as "Premium for Lender's coverage". Since, Insurance binder fee and Premium for [Redacted]coverage fee is evidenced by the identical fee amount [Redacted]for both fees. Provide LOE for attestation comment indicating fee name changed on revised LE or provide a valid COC for Insurance binder fee added on LE dated [Redacted] or Otherwise Cure would be due to borrower.<br>Seller Comment (2025-06-26): Disagree - the "Title - Premium for Lender's Coverage" and the "Title - Insurance Binder" are synonymous.<br>Reviewer Comment (2025-06-26): [Redacted]: Correction in below comment, Baseline includes the following fees: Title - Closing Protection Letter Fee $[Redacted], Title - Insurance Binder $[Redacted], Title - Settlement Or Closing Fee $[Redacted], Recording fee $[Redacted], Title - Document Preparation Fee $[Redacted] which is $[Redacted] in total while the fees on final CD are Title - Closing Protection Letter Fee $[Redacted], Title - Insurance Binder $[Redacted], Title - Settlement Or Closing Fee $[Redacted], Recording fee $[Redacted], Title - Document Preparation Fee $[Redacted] which is $[Redacted] in total which leads to cure of $[Redacted]. A valid COC or cure would be required.<br>Seller Comment (2025-06-24): Your response is stating the following fees and prices are what set the baseline: <br> Title - Closing Protection Letter Fee $[Redacted], <br> Title - Insurance Binder $[Redacted], <br> Title - Settlement Or Closing Fee $[Redacted], <br> Recording fee $[Redacted], <br> Title - Document Preparation Fee $[Redacted]at baseline.<br>These listed fees and prices would make the baseline $[Redacted] + [Redacted] % ($[Redacted]) = $[Redacted].<br>Reviewer Comment (2025-06-19): [Redacted] received rebuttal comment. However, The threshold the [Redacted]% tolerance is $[Redacted] + [Redacted]% = $[Redacted] and includes the following fees: Title - Closing Protection Letter Fee $[Redacted], Title - Insurance Binder $[Redacted], Title - Settlement Or Closing Fee $[Redacted], Recording fee $[Redacted], Title - Document Preparation Fee $[Redacted] at baseline and Title - Closing Protection Letter Fee $[Redacted], Title - Insurance Binder $[Redacted], Title - Settlement Or Closing Fee $[Redacted], Recording fee $[Redacted], Title - Document Preparation Fee $[Redacted] which is $[Redacted] in total which leads to cure of $[Redacted] ($[Redacted] - $[Redacted]). A valid COC or cure would be required.<br>Seller Comment (2025-06-18): Disagree - The threshold the [Redacted]% tolerance is $[Redacted]and includes the following fees: <br> Title - Closing Protection Letter Fee $[Redacted] <br> Title - Insurance Binder $[Redacted]<br> Title - Settlement Or Closing Fee [Redacted]<br> Recording fee [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400647 |  |  |  | 33732253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee was increased on closing disclosure issued [Redacted] with no valid change of evident. $[Redacted] cure provided however it was not sufficient for additional [Redacted] tolerance exceptions. |  |  |  | Reviewer Comment (2025-06-30): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-26): [Redacted] Disagree - All title fees are not subject to tolerance as the borrower choose a title service provider that was not on the SPL. TRID [Redacted] in the Commentary to [Redacted] that this is true even if a fee was omitted from the initial LE. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400747 |  |  |  | 33941050 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the [Redacted] fee(s). No valid COC was provided for this change, nor evidence of cure. |  |  |  | Reviewer Comment (2025-06-24): [Redacted] received rebuttal comment and as per available COC dated [Redacted].<br>Buyer Comment (2025-06-23): Please be advised that the recording fees on the LE combine both the deed and mortgage portion of the recording fees. The CIC[Redacted]increased the recording-mortgage fee with a valid CIC. The total recording fee on the [Redacted] LE was $[Redacted]which included the newly increased mortgage portion ($[Redacted]) plus the $[Redacted]deed fee. The final Closing Disclosure increased to $[Redacted]which is within [Redacted]% tolerance of the $[Redacted]. Another CIC or cure is not required.<br>Reviewer Comment (2025-06-19): [Redacted]received COC dated [Redacted] stating POA added however the Fee description mentioned is old value of $[Redacted]to $[Redacted]New value which is incorrect. Since the LE dated [Redacted] the fee is $[Redacted]and $[Redacted]on LE dated [Redacted]. Kindly provide a valid COC for the fee increased on LE dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-06-19): Please refer to page [Redacted] DOC ID [Redacted]of the loan images showing that the recording fee-mortgage increased due to the need for a POA. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400944 |  |  |  | 34007429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to the addition of the GRMA/GA Residential Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-17): [Redacted] received Corrected [Redacted], Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-07-16): Please see attached, PCCD, LOE, check and shipping information. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400945 |  |  |  | 34007443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the [Redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-16): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-07-16): Please see attached cure package mailed to the borrower curing the issue. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400951 |  |  |  | 34007466 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted] a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-11): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-10): Please see the attachment. |  | X |  | 2 C B |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400971 |  |  |  | 34049516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the Section B Title- Lender's Title Insurance and the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-02): [Redacted]received corrected [Redacted]and [Redacted]moving the borrower shopped fee from section B to C.<br>Buyer Comment (2025-07-01): Please see attached, the lenders title fee should have been disclosed in Section [Redacted]. It has been moved. I have attached a PCCD, LOE, and shipping information.<br>Reviewer Comment (2025-06-30): [Redacted]: On Initial LE Title-Lender title fee $[Redacted]and Recording fee $[Redacted]. The Total of [Redacted]% Tolerance fee on LE is $[Redacted]+ [Redacted]% ($[Redacted]) = $[Redacted]. whereas on Final CD Title-Lender title fee $[Redacted]and Recording fee $[Redacted]on Final [Redacted]total of [Redacted]% Tolerance is $[Redacted]. Hence, the fees were exceeds of [Redacted]% tolerance of $[Redacted]. Provide valid COC for the lender title policy fee increased or refund cure of $[Redacted]required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-06-27): Please clarify: Per the final CD dated [Redacted] the lender title policy in section B is $[Redacted]not $[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400981 |  |  |  | 34049630 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The [Redacted]% tolerance was exceeded due to the increase in the Section B Title - Lender's Title Insurance, Title - Settlement/Closing Fee and the addition of the Title-Closing Protection Letter. There was no cure provided. Please provided post close CD, LOE to borrower, proof of mailing and sufficient cure. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] received [Redacted].<br>Buyer Comment (2025-07-02): Please see attached curing the issue.<br>Reviewer Comment (2025-06-30): [Redacted]received rebuttal. Title fees were disclosed in Section B which are tested at [Redacted] tolerance. Provider listed on [Redacted]. Fees on CD were paid to [Redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-06-27): Please re-review and specify the violation. Citation states the addition of a $[Redacted]fee resulted in exceeding [Redacted]% tolerance by $[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400006 |  |  |  | 31691416 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400012 |  |  |  | 32318874 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: [Redacted] Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-06): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400078 |  |  |  | 33082905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400098 |  |  |  | 33085996 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Ten Percent Fee Tolerance exceeded. Total amount of Zero Percent Fee exceeds tolerance of Zero Percent Fee plus Zero Percent Fee or Zero Percent Fee. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400105 |  |  |  | 33092155 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400109 |  |  |  | 33087214 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400119 |  |  |  | 33078712 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [Redacted]: Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of [Redacted] plus [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400139 |  |  |  | 33089933 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus[Redacted] or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400277 |  |  |  | 33479676 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400280 |  |  |  | 33481502 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus[Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400300 |  |  |  | 33491123 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400316 |  |  |  | 33493931 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400328 |  |  |  | 33498689 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400341 |  |  |  | 33502725 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400353 |  |  |  | 33540777 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400364 |  |  |  | 33683015 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400367 |  |  |  | 33607832 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Refinance - Rate/Term | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400471 |  |  |  | 33541652 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400512 |  |  |  | 33580257 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400534 |  |  |  | 33614648 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400547 |  |  |  | 33535283 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400548 |  |  |  | 33547116 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400561 |  |  |  | 33563601 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
|  | GCATINV400574 |  |  |  | 33573467 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400622 |  |  |  | 33786517 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400647 |  |  |  | 33969725 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400675 |  |  |  | 33789404 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400705 |  |  |  | 33787881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400707 |  |  |  | 33796217 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | X |  | 1 A |  | X | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400314 |  |  |  | 33488416 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | [Redacted] |  |  |  | Reviewer Comment (2025-05-27): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation. | X |  |  | 1 A |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400081 |  |  |  | 33086455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | [Redacted]: Revised Loan Estimate provided on [Redacted] not received by borrower at [Redacted]business days prior to closing. | The [Redacted] Loan Estimate is not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least [Redacted] business days before closing. |  |  |  | Reviewer Comment (2025-04-04): Upon further review receipt date is acceptable.<br>Seller Comment (2025-04-03): [Redacted] Please see the attached Loan Estimate that shows the borrower was sent the Loan Estimate on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400735 |  |  |  | 33940952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the initial Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-18): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-17): Please see attached confirming when all LE's were viewed. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400735 |  |  |  | 33940953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the initial Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-18): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-17): Please see attached confirming when all LE's were viewed. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400735 |  |  |  | 33940954 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the initial Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-18): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-17): Please see attached confirming when all LE's were viewed. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400935 |  |  |  | 34007387 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four[Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-11): [Redacted]Received Disclosure tracking for receipt of LE dated [Redacted]<br>Buyer Comment (2025-07-10): Please see attached confirmation borrower viewed the LE within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400937 |  |  |  | 34007397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [Redacted] ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-11): Acknowledgment of receipts of Loan estimate received. Exception cleared.<br>Buyer Comment (2025-07-11): Please see the attached screenshot confirming the LE was acknowledged on [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400938 |  |  |  | 34007401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-14): [Redacted]Received disclosure summary for both sequence of LE dated [Redacted].<br>Buyer Comment (2025-07-11): Please see attached confirmation the loan estimates were viewed within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400938 |  |  |  | 34007402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] Received [Redacted] for both sequence of [Redacted].<br>Buyer Comment (2025-07-11): Please see attached confirmation the loan estimates were viewed within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400945 |  |  |  | 34007441 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-16): [Redacted]received earliest receipt of LE.<br>Buyer Comment (2025-07-15): Please see attached confirmation borrower viewed the [Redacted]within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400954 |  |  |  | 34007481 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-16): [Redacted] received disclosure summary.<br>Buyer Comment (2025-07-15): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file |  |  |  | Reviewer Comment (2025-07-16): [Redacted]received earliest receipt of LE.<br>Buyer Comment (2025-07-15): Please see attached confirmation borrower viewed the LE within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400962 |  |  |  | 34049293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-27): Please see attached confirming when the LE was viewed. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400963 |  |  |  | 34049315 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted]received proof of receipt.<br>Buyer Comment (2025-06-26): Please see attached confirmation borrower viewed the [Redacted] within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400964 |  |  |  | 34049412 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [Redacted]received proof of earlier electronic receipt<br>Buyer Comment (2025-06-27): Please see attached confirming when the LE was viewed. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401067 |  |  |  | 34164604 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at[Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-27): Please see the screen shot attached confirming the [Redacted] LE was received by the borrower on [Redacted] | X |  |  | 1 C A |  | X | Second Home | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400387 |  |  |  | 33604845 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit decreased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] received COC and as per rate lock.<br>Seller Comment (2025-07-02): The loan level price adjustment was not added until [Redacted] because when the appraisal came in higher on [Redacted] the appraised value was increased above [Redacted]%. So condo / [Redacted]% llpa was added at that time and was compliant with the [Redacted] redisclosure<br>Reviewer Comment (2025-06-11): [Redacted] File Contains COC dated [Redacted] states property type changed; however, lender credit changed on CD dated [Redacted] which is not within [Redacted] days of the change. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-06-10): There was a "Condo-Attached, LTV >[Redacted]%" adjustment added to the Lock sheet due to the property type changing to a Condo. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure.<br>Seller Comment (2025-06-10): There was a "[Redacted]" adjustment added to the Lock sheet due to the property type changing to a [Redacted]. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400419 |  |  |  | 33605657 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit decreased on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]received valid COC dated [Redacted]<br>Seller Comment (2025-06-10): LI[Redacted]there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at [Redacted] with lender paid compensation of [Redacted]and a Final Cost to the Borrower of[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-10): [Redacted] there was a relock on the file that caused pricing to increase. On [Redacted] lock actions are acceptable changes and [Redacted]. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at [Redacted] with lender paid compensation of [Redacted] and a Final Cost to the Borrower of [Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400667 |  |  |  | 33784453 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] Received Valid Rate lock along with supporting comments on the exception.<br>Seller Comment (2025-06-30): TF[Redacted]Assets and liabilities were updated by underwriting on [Redacted]which Decreased the FICO to [Redacted] from [Redacted] which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure.<br>Seller Comment (2025-06-30): TF [Redacted]Assets and liabilities were updated by underwriting on[Redacted] which Decreased the FICO to [Redacted]from [Redacted]([Redacted]) which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400701 |  |  |  | 33789564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit of $[Redacted]was disclosed on Loan Estimate dated [Redacted], no lender credit was disclosed on the Final Closing Disclosure. A valid COC for the removal of lender credit was not provided. |  |  |  | Reviewer Comment (2025-07-01): SituAMC Received revised CD along with valid COC supporting comments on the exception.<br>Seller Comment (2025-06-30): [Redacted]: There was a Loan amount change on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted] making the final cost adjust as well. Final price went from [Redacted] or [Redacted] to [Redacted]. Therefore eliminating the lender credit.<br>Seller Comment (2025-06-30): [Redacted]: There was a Loan amount change on [Redacted]that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price went from -[Redacted]% or -$[Redacted]to [Redacted]% or $[Redacted]. Therefore eliminating the lender credit.<br>Seller Comment (2025-06-30): [Redacted]: There was a Loan amount change on [Redacted] that caused an adjustment to the [Redacted]. Due to this, the price adjust for [Redacted] changed from [Redacted]% making the final cost adjust as well. Final price went from -[Redacted]% or -$[Redacted] to [Redacted]% or $[Redacted]. Therefore eliminating the lender credit. | X |  |  | 1 C A |  | X | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
|  | GCATINV400704 |  |  |  | 33781885 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-01): [Redacted] received valid rate lock document<br>Seller Comment (2025-06-30): [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted]with lender paid compensation of $[Redacted]and a Final Cost to the Borrower of -[Redacted]% or -$[Redacted]. Please see attached lock confirmation and Closing Disclosure.<br>Seller Comment (2025-06-30): [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[Redacted]% or -$[Redacted] with lender paid compensation of $[Redacted] and a Final Cost to the Borrower of -[Redacted]% or -$[Redacted]. Please see attached lock confirmation and Closing Disclosure. | X |  |  | 1 C A |  | X | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400002 |  |  |  | 31270433 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least three ([Redacted]) business days prior to consummation | CD dated [Redacted] which would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2024-08-27): [Redacted] received LOA to remove document(s) [Redacted] estimated to be provided on [Redacted], from testing as not provided to the borrower.<br>Seller Comment (2024-08-26): Please see LOA. | X |  |  | 1 C A |  | X | Investment | Purchase | TRID timing exception, no remediation available. C B A | N/A | N/A | No |
|  | GCATINV400084 |  |  |  | 33091090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | [Redacted] - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and loan product and was not received by borrower at [Redacted] business days prior to consummation. | Issue is being caused by the CD in file dated [Redacted] which is partially incomplete but has been included for testing as there is no indication the document did not go to the borrower. APR increased on the [Redacted] CD, this was not within 3 business days of [Redacted] closing date. |  |  |  | Reviewer Comment (2025-04-01): credit report that matches LP provided<br>Reviewer Comment (2025-03-31): [Redacted] received CD dated [Redacted] but the CD dated [Redacted]with doc ID [Redacted]is in file is incomplete with no interest rate with blank page [Redacted] ([Redacted]% APR). If the CD is not provided to the borrower, please provide attestation for the same to exclude the CD from testing.<br>Seller Comment (2025-03-29): [Redacted] On [Redacted] a Closing Disclosure went out to the borrower with an APR of [Redacted]%. The borrower E-consented to this CD and redisclosed the APR to the borrower on [Redacted]. The borrower signed the final closing disclosure on [Redacted]with and APR of [Redacted]% which is within [Redacted]% allowable threshold to increase. | X |  |  | 1 C A |  | X | Second Home | Purchase | TRID timing exception, no remediation available. A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400188 |  |  |  | 33279178 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least three ([Redacted]) business days prior to consummation | Incomplete Closing Disclosure does not provide APR, missing affidavit that the disclosure was never provided to borrower. |  |  |  | Reviewer Comment (2025-04-18): Capture is acceptable.<br>Seller Comment (2025-04-17): revised LE with AP[Redacted]R at [Redacted] and e-sign audit log for revised [Redacted]<br>Seller Comment (2025-04-17): revised LE with APR at [Redacted]and e-sign audit log for revised LE | X |  |  | 1 C A |  | X | Investment | Purchase | TRID timing exception, no remediation available. C A | N/A | N/A | No |
|  | GCATINV400286 |  |  |  | 33478497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three [Redacted] business days prior to consummation | Closing disclosure issued [Redacted]was incomplete and did not have APR information, missing assentation Closing Disclosure was not provided to borrower |  |  |  | Reviewer Comment (2025-06-06): [Redacted] received LOA<br>Reviewer Comment (2025-05-27): [Redacted] CD, Doc ID [Redacted], reflects a blank APR which would test as a change in APR to the subsequent [Redacted] CD. Lender to provide attestation/explanation to clarify the blank APR on the [Redacted] CD and if a clerical error as clarify procedures in place to ensure APR properly populates on the CD.<br>Reviewer Comment (2025-05-27): reopen to address<br>Reviewer Comment (2025-05-27): Upon further review, [Redacted] CD missing APR and unsigned by borrower, was no change in APR requiring new timing requirement. | X |  |  | 1 C A |  | X | Investment | Purchase | TRID timing exception, no remediation available. A C | N/A | N/A | No |
|  | GCATINV400414 |  |  |  | 33539207 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least[Redacted] business days prior to consummation | APR increased on closing disclosure issued [Redacted], missing evidence of [Redacted] receipt as[Redacted] signature date was not within [Redacted] business days of [Redacted] closing date. |  |  |  | Reviewer Comment (2025-06-16): [Redacted]received earliest receipt confirmation of CD dated [Redacted].<br>Seller Comment (2025-06-16): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]<br>Seller Comment (2025-06-16): [Redacted][Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | TRID timing exception, no remediation available. B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400658 |  |  |  | 33788343 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted]contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three [Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-01): Upon further review the product is correctly disclosed on CDs.<br>Seller Comment (2025-06-30): [Redacted] Disagree - There was not a Loan Product change that occurred on [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | N/A | N/A | No |
|  | GCATINV400059 |  |  |  | 33341931 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-04-25): [Redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [Redacted].<br>Seller Comment (2025-04-24): Econsent forms from[Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400163 |  |  |  | 33143411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | [Redacted]: Loan Estimate not delivered to Borrower(s) within three ([Redacted]) business days of application. Initial Loan Estimate dated[Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is[Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted] |  |  |  | Reviewer Comment (2025-04-04): [Redacted] received disclosure tracking dated [Redacted]<br>Seller Comment (2025-04-03): Hello. Please see the attached conversation log, showing that the initial loan estimate was mailed on [Redacted]. Thank you.<br>Reviewer Comment (2025-04-02): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [Redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [Redacted] business days and acknowledged over[Redacted]business days. The LE would not have been provided electronically if borrower had not e-consented with the [Redacted]business days after application.<br>Seller Comment (2025-04-01): Hello. Please see the attached e-consent information. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400188 |  |  |  | 33275908 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically[Redacted] |  |  |  | Reviewer Comment (2025-04-18): [Redacted]received e-consent dated [Redacted].<br>Seller Comment (2025-04-17): initial LE with [Redacted] audit log<br>Seller Comment (2025-04-17): initial [Redacted] with e-sign audit log | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400211 |  |  |  | 33287103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Application date was [Redacted] and Loan Estimate was issued [Redacted] |  |  |  | Reviewer Comment (2025-04-18): [Redacted] received initial LE.<br>Seller Comment (2025-04-17): initial LE [Redacted] with e-sign audit log<br>Seller Comment (2025-04-17): initial [Redacted]with e-sign audit log | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33368374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400270 |  |  |  | 33479996 |  | 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 [Redacted]([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated [Redacted] is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-06-04): [Redacted] Received Disclosure summary LE was mailed.<br>Seller Comment (2025-06-03): Initial Disclosures were sent via Docutech to the borrower on [Redacted], the borrower did not access the link and disclosures were mailed on [Redacted] (sent to fulfillment). The borrower accessed the disclosures via Douctech on [Redacted] and consented to receive electronic disclosures.<br>Reviewer Comment (2025-05-22): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [Redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [Redacted] business days and acknowledged over [Redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [Redacted] business days after application.<br>Seller Comment (2025-05-21): Consent to receive electronic disclosures | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400277 |  |  |  | 33480462 |  | 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 [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is[Redacted]which was after the date of the initial Loan Estimate provided electronically issued [Redacted] |  |  |  | Reviewer Comment (2025-05-21): [Redacted] received e-consent.<br>Seller Comment (2025-05-21): Consent to receive electronic disclosures | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400283 |  |  |  | 33480015 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-05-21): [Redacted] Received E-Sign summary showing loan estimate sent through fulfillment method.<br>Seller Comment (2025-05-21): Consent to receive electronic disclosures | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400351 |  |  |  | 33513119 |  | 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 [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-05-28): [Redacted] Received earliest E-Consent.<br>Seller Comment (2025-05-27): e-consent [Redacted]<br>Seller Comment (2025-05-27): Lender cert and initial LE | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400361 |  |  |  | 33525858 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-06-02): [Redacted] Received earliest E-Consent.<br>Seller Comment (2025-05-30): Hello. Our records show E-Consent date [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400366 |  |  |  | 33542102 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-06-03): [Redacted] received earliest e-consent dated [Redacted].<br>Seller Comment (2025-06-02): Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on [Redacted]nd consented to it on [Redacted]<br>Seller Comment (2025-06-02): Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on[Redacted].<br>Seller Comment (2025-06-02): Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on [Redacted]and consented to it on [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400515 |  |  |  | 33626435 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted]was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received e-consent dated [Redacted]<br>Seller Comment (2025-06-30): Please see attached electronic borrower's consent disclosures from [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400520 |  |  |  | 33607198 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]Receive Earliest E-Consent dated [Redacted].<br>Seller Comment (2025-06-10): Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on[Redacted]and consented to it on [Redacted]<br>Seller Comment (2025-06-10): Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on [Redacted] and consented to it on [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400592 |  |  |  | 33675563 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([Redacted]) business days of application. | Application date was [Redacted] and Loan Estimate was issued [Redacted]. |  |  |  | Reviewer Comment (2025-06-26): Updated LE with correct application date provided, exception cleared.<br>Seller Comment (2025-06-24): initial [Redacted]with address dated [Redacted]<br>Seller Comment (2025-06-24): TBD[Redacted]<br>Seller Comment (2025-06-24): Initial LE with address<br>Seller Comment (2025-06-24): Initial [Redacted]was TBD dated [Redacted], then [Redacted]with address was disclosed on [Redacted]and LE went out | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400051 |  |  |  | 33079325 |  | 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 [Redacted] ([Redacted]) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received borrower confirmation is sufficient.<br>Seller Comment (2025-04-04): bwr confirming cd was reviewed on [Redacted]<br>Seller Comment (2025-04-04): outbounded task to the bwr for CD | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400079 |  |  |  | 33092829 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at [Redacted] business days prior to closing. | Initial Closing Disclosure missing in loan file. |  |  |  | Reviewer Comment (2025-04-02): [Redacted] received the initial CD.<br>Seller Comment (2025-04-02): [Redacted]Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted]and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400082 |  |  |  | 33079475 |  | 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. | Earlier receipt was not provided for the CD. The only verified receipt was the one signed at close. |  |  |  | Reviewer Comment (2025-03-31): [Redacted] received initial CD.<br>Seller Comment (2025-03-28): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted]and consented to it on [Redacted] This meets the [Redacted] business days before the closing date of[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400086 |  |  |  | 33079343 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | The earliest Closing Disclosure provided was issued[Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-03-31): [Redacted]received initial CD.<br>Seller Comment (2025-03-29): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400089 |  |  |  | 33071294 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earlier receipt was not provided for the CD. The only verified receipt was the one signed at close. |  |  |  | Reviewer Comment (2025-03-31): [Redacted] received initial CD.<br>Seller Comment (2025-03-29): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted].<br>Seller Comment (2025-03-29): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400096 |  |  |  | 33071495 |  | 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. | Earlier receipt was not provided for the CD. The only verified receipt was the one signed at close. |  |  |  | Reviewer Comment (2025-03-31): [Redacted] received initial CD.<br>Seller Comment (2025-03-29): LI[Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted]and consented to it on[Redacted] This meets the[Redacted] business days before the closing date of[Redacted]<br>Seller Comment (2025-03-29): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400102 |  |  |  | 33071846 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Initial Closing Disclosure missing in the file; therefore, the "mailbox rule" is assumed and the presumed delivery date would not have been at least [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-31): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-03-31): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400105 |  |  |  | 33092154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-04-03): [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400108 |  |  |  | 33073346 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three[Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was issued on [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-04-10): [Redacted] received [Redacted] CD, received [Redacted] business days prior to consummation.<br>Seller Comment (2025-04-09): LI [Redacted]Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted] and consented to it on [Redacted] This meets the [Redacted]business days before the closing date of [Redacted]<br>Reviewer Comment (2025-04-04): [Redacted] received rebuttal. However, the file only contains Final CD kindly provide initial CD along with evidence that the borrower received initial CD three days prior to closing date.<br>Seller Comment (2025-04-03): LI[Redacted]lease see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400111 |  |  |  | 33085235 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earlier receipt was not provided for the CD. The only verified receipt was the one signed at close. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received initial CD.<br>Seller Comment (2025-04-04): [Redacted]Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400113 |  |  |  | 33087197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | Earlier receipt was not provided for the CD. The only verified receipt was the one signed at close. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] received [Redacted] CD, received [Redacted] business days prior to consummation.<br>Seller Comment (2025-04-04): [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400121 |  |  |  | 33086282 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): [Redacted]received [Redacted] CD, received [Redacted]business days prior to consummation.<br>Seller Comment (2025-04-04): LI [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400125 |  |  |  | 33090030 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received initial CD.<br>Seller Comment (2025-04-04): [Redacted] [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400129 |  |  |  | 33086062 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial closing disclosure was not provided. |  |  |  | Reviewer Comment (2025-04-01): [Redacted] received [[Redacted] CD received[Redacted] business days prior to consummation.<br>Seller Comment (2025-03-31): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted].<br>Seller Comment (2025-03-31): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400130 |  |  |  | 33078818 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at [Redacted] business days prior to closing. | Initial closing disclosure document is missing. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]received initial CD.<br>Seller Comment (2025-03-31): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted].<br>Seller Comment (2025-03-31): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400134 |  |  |  | 33088266 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] received [Redacted] received [Redacted] prior to consummation.<br>Seller Comment (2025-04-07): [Redacted] [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400140 |  |  |  | 33079678 |  | 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 [Redacted] days prior to closing. | Initial Closing disclosure is not provided. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-04-03): LI [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400142 |  |  |  | 33071344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was [Redacted] and closing was [Redacted] |  |  |  | Reviewer Comment (2025-04-01): Initial CD provided, exception cleared<br>Seller Comment (2025-03-31): [Redacted] Please see the attached [Redacted] that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400175 |  |  |  | 33199060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at least [Redacted] ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-04-14): [Redacted] received initial CD.<br>Seller Comment (2025-04-11): COC and CD from [Redacted]<br>Reviewer Comment (2025-04-10): [Redacted] dated [Redacted] is located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower [Redacted] business days prior to review.<br>Seller Comment (2025-04-09): COC and CD from [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400177 |  |  |  | 33199742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted]: Closing Disclosure not provided to Borrower(s) at least [Redacted] ([Redacted]) business days prior to closing. | Earliest closing disclosure issued [Redacted] with [Redacted] Note date. |  |  |  | Reviewer Comment (2025-04-11): [Redacted] received initial CD.<br>Seller Comment (2025-04-10): Initial [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400186 |  |  |  | 33276051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Only closing disclosure provided was issued [Redacted], [Redacted] day prior to [Redacted] closing date |  |  |  | Reviewer Comment (2025-04-18): [Redacted]received [Redacted] CD [Redacted]business days prior to consummation. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400195 |  |  |  | 33276849 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-29): [Redacted] received disclosure tracking for the [Redacted].<br>Seller Comment (2025-04-25): proof received.<br>Reviewer Comment (2025-04-25): [Redacted] received proof of delivery and only reflects the history of a disclosure sent to borrower that was viewed, and it does not provide evidence that CD dated [Redacted] received. Please provide documentation if the CD was received [Redacted] or earlier for review.<br>Seller Comment (2025-04-23): proof of delivery<br>Reviewer Comment (2025-04-23): [Redacted] received rebuttal, however there is no CD dated [Redacted] available in file.<br>Seller Comment (2025-04-22): [Redacted] delivery<br>Reviewer Comment (2025-04-22): [Redacted]received consent stating CD upload date [Redacted].However, we would require evidence when did the borrower received initial CD. The initial CD should be received by borrower three days prior to closing date.<br>Seller Comment (2025-04-21): consent<br>Reviewer Comment (2025-04-21): [Redacted]Received E-Sign Summary does not specify when borrower received the CD dated[Redacted] Provide evidence that borrower received the CD 3 days prior to closing.<br>Seller Comment (2025-04-18): proof of del [Redacted]<br>Reviewer Comment (2025-04-18): [Redacted] received consent however the consent date is [Redacted] whereas the initial CD in the file is dated [Redacted]. Kindly provide evidence that the borrower received initial CD dated [Redacted] three days prior to closing date.<br>Seller Comment (2025-04-17): proof of del | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400244 |  |  |  | 33447065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt. Mailbox method receipt [Redacted] is less than [Redacted] days from closing. |  |  |  | Reviewer Comment (2025-06-03): [Redacted] received LOE to remove CD dated [Redacted] are title CDs used for balancing and not provided to borrower by lender.<br>Seller Comment (2025-05-30): not meant for Borrower to receive.<br>Reviewer Comment (2025-05-22): [Redacted] received rebuttal comment that initial [Redacted] is dated [Redacted] but file contains CD dated [Redacted] with docs IDs [Redacted] and [Redacted] with blank product, blank interest rate and blank page #[Redacted] ([Redacted] % APR) but signed by borrower on [Redacted]. Since the CD was signed by borrower we cannot exclude this from review. If the CD. [Redacted] requires a Lender Attestation document that specifies any disclosure(s) and identifying of the disclosure, an explanation on why the disclosure was included in loan package for testing and if not disclosed to borrower, attesting that borrower was never issued or disclosed the disclosure(s) in question. [Redacted] can then retest if no information in file reflects a disclosure was provided to borrower.<br>Seller Comment (2025-05-21): The ICD was sent on [Redacted] and acknowledged on that day. <br>The ICD being referred to was escrow prelim CD - that wasn't issued to the borrower.<br>Seller Comment (2025-05-21): The ICD was sent on 0[Redacted] and acknowledged on that day. <br>The ICD being referred to was escrow prelim CD - that wasn't issued to the borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400249 |  |  |  | 33448663 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-05-22): [Redacted] received attestation stating doc id [Redacted] CD dated [Redacted] were not provided to the borrower.<br>Seller Comment (2025-05-21): Attestation Letter<br>Reviewer Comment (2025-05-20): [Redacted] received rebuttal comment that [Redacted] is dated [Redacted] but there are [Redacted] in file which are not signed. CD with doc ID [Redacted] with blank loan type and [Redacted]. If the CD is not provided to the borrower, please provide Letter of Attestation indicating the document ID were never provided to the borrower and [Redacted] will review for re-testing. Also, CD with doc ID [Redacted]dated [Redacted] is not signed by the borrower. Please provide evidence of [Redacted] of CD to the borrower prior to [Redacted] business days from the consummation.<br>Seller Comment (2025-05-19): CD ISSUED [Redacted] SIGNED [Redacted] AND LOAN CLOSED CONSUMMATED [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400250 |  |  |  | 33441803 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was issued on [Redacted] and signed on [Redacted], same day as closing. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-05-19): inish CD<br>Seller Comment (2025-05-19): Audit log | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400259 |  |  |  | 33441130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] days before closing. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] received [Redacted] Initial CD, [Redacted] business days prior to the consummation.<br>Seller Comment (2025-05-19): [Redacted] TO [Redacted][Redacted] TO [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400328 |  |  |  | 33497334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-05-23): [Redacted]received initial CD.<br>Seller Comment (2025-05-22): First Initial CD sent on [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400350 |  |  |  | 33506255 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received [Redacted] CD, received [Redacted] business days prior to consummation.<br>Seller Comment (2025-05-29): Please see the attached envelope ID, showing the CD was sent[Redacted]. Envelope Id: [Redacted]matches the Audit Trail previously uploaded<br>Reviewer Comment (2025-05-28): [Redacted] Received [Redacted] process summary; however, provided [Redacted] does not specify the list of documents provided to borrower. Provide list of documents sent along with [Redacted] [Redacted] dated [Redacted] or provide [Redacted] received by borrower [Redacted] prior to closing.<br>Seller Comment (2025-05-27): Hello. Please see the attached Audit Trail, showing that the borrower viewed the Initial CD on [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400366 |  |  |  | 33540955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-03): [Redacted]received initial CD [Redacted] [Redacted]days prior to consummation.<br>Seller Comment (2025-06-02): [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted].<br>Seller Comment (2025-06-02): [Redacted] [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400370 |  |  |  | 33603972 |  | 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 [Redacted]([Redacted]ss days prior to closing. | The only Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-10): Tf [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400380 |  |  |  | 33603628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The Only Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received [Redacted], received [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-10): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400396 |  |  |  | 33604025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received [Redacted], received [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-10): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400405 |  |  |  | 33613017 |  | 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 [Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received [Redacted] CD received [Redacted]business days prior to consummation.<br>Seller Comment (2025-06-12): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted] This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400407 |  |  |  | 33548256 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-04): [Redacted] received initial CD.<br>Seller Comment (2025-06-03): [Redacted]: Please see the attached [Redacted]<br>Seller Comment (2025-06-03): [Redacted]: Please see the attached CD | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400418 |  |  |  | 33606450 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial [Redacted]closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-06-10): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400419 |  |  |  | 33605695 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure issued[Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-06-10): LI [Redacted]lease see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted]and consented to it on[Redacted]This meets the [Redacted]business days before the closing date of[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400428 |  |  |  | 33606375 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]<br> received initial CD.<br>Seller Comment (2025-06-10): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400471 |  |  |  | 33540032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | [Redacted] sole closing disclosure was issued less than [Redacted] days before [Redacted] Closing. |  |  |  | Reviewer Comment (2025-06-03): [Redacted]received [Redacted] [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-02): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of [Redacted]<br>Seller Comment (2025-06-02): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400487 |  |  |  | 33563984 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-05): [Redacted] received 0[Redacted]<br> [Redacted]<br> business days prior to consummation.<br>Seller Comment (2025-06-04): Please see the attached [Redacted]Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted]and consented to it on [Redacted]. This meets the 3 business days before the closing date of[Redacted]<br>Seller Comment (2025-06-04): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400510 |  |  |  | 33606881 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Only Closing Disclosure provided was the final, it was issued on [Redacted] and Received on same day as closing. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]received [Redacted]CD, received [Redacted]business days prior to consummation.<br>Seller Comment (2025-06-10): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted] This meets the [Redacted]business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400513 |  |  |  | 33612659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosure provided was issued[Redacted] on same day as closing. |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-06-12): [Redacted]: Please see the attached CD | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400514 |  |  |  | 33607021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-06-11): [Redacted]C received[Redacted] CD[Redacted]business days prior to consummation.<br>Seller Comment (2025-06-10): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted] This meets the [Redacted]business days before the closing date of [Redacted]<br>Seller Comment (2025-06-10): LI [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted]and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400518 |  |  |  | 33617012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial [Redacted] Closing Disclosure was signed on [Redacted] and the closing was [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-06-12): CT [Redacted]: Please see the attached CD<br>Seller Comment (2025-06-12): [Redacted]: Please see the attached CD | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400520 |  |  |  | 33607307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-10): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted] This meets the 3 business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400521 |  |  |  | 33615677 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-06-13): [Redacted]received CD dated [Redacted]<br>Seller Comment (2025-06-12): CT [Redacted]: Please see the attached CDs<br>Seller Comment (2025-06-12): CT [Redacted]ease see the attached CDs | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400524 |  |  |  | 33581332 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-06-06): LI[Redacted]Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted]and consented to it on[Redacted] This meets the[Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400529 |  |  |  | 33592584 |  | 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 [Redacted] ([Redacted]) business days prior to closing. | The only Closing Disclosure provided was issued [Redacted], the same day as closing. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received initial CD.<br>Seller Comment (2025-06-09): [Redacted] [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400530 |  |  |  | 33616208 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received [Redacted] CD, received[Redacted]business days prior to consummation.<br>Seller Comment (2025-06-12): LI[Redacted]Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business days before the closing date of[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400531 |  |  |  | 33612587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-06-13): [Redacted]received [Redacted] CD, received [Redacted]business days prior to consummation.<br>Seller Comment (2025-06-12): [Redacted] [Redacted] Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400541 |  |  |  | 33614459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | [Redacted] Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at [Redacted]) business days prior to closing. | The only Closing Disclosure provided was issued [Redacted] with [Redacted] closing date. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-12): CT[Redacted]: Please see the attached CD | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400581 |  |  |  | 33572572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received [Redacted], received [Redacted]business days prior to consummation.<br>Seller Comment (2025-06-06): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400609 |  |  |  | 33674728 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-06-30): [Redacted]received disclosure tracking for the [Redacted] CD.<br>Seller Comment (2025-06-27): My [Redacted], I typed initial LE, but it was the initial CD that was sent on [Redacted].<br>Seller Comment (2025-06-27): This screen is our LOS that shows CD printed and provided to borr on [Redacted] at [Redacted] or [Redacted] pacific<br> standard. The le is attached, then the summary/audit trail screen shows it being rec'd within seconds of this time<br> stamp. Borr signed at a later time to ensure a fully documented file, but they were in receipt of it on [Redacted] with<br> respa requirements<br>Seller Comment (2025-06-27): This screen is our LOS that shows LE printed and provided to borr on [Redacted] at [Redacted] [Redacted]<br> standard. The le is attached, then the summary/audit trail screen shows it being rec'd within seconds of this time<br> stamp. Borr signed at a later time to ensure a fully documented file, but they were in receipt of it on [Redacted] with<br> respa requirements<br>Reviewer Comment (2025-06-26): [Redacted] received disclosures summary but from the summary we are unable to identify if the provided tracking is for initial CD. Please provide additional information to validate the receipt of CD to borrower.<br>Seller Comment (2025-06-24): audit trail proof of delivery<br>Seller Comment (2025-06-24): Initial cd rec'd and viewed on[Redacted] borr just didn't sign until[Redacted], we are still in compliance | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400616 |  |  |  | 33786424 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Initial [Redacted] closing disclosure was signed on [Redacted], missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received [Redacted] Initial CD, [Redacted] business days prior to the consummation.<br>Seller Comment (2025-06-30): see attached initial CDs | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure A | N/A | N/A | No |
|  | GCATINV400634 |  |  |  | 33790809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure is issued on [Redacted] and Closing date is [Redacted]. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received [Redacted] CD [Redacted] business days prior to consummation.<br>Seller Comment (2025-06-30): [Redacted]Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 5/9 and consented to it on [Redacted]. This meets the[Redacted]business days before the closing date of [Redacted]<br>Seller Comment (2025-06-30): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted]and consented to it on [Redacted]. This meets the [Redacted] before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400668 |  |  |  | 33795925 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]received initial CD.<br>Seller Comment (2025-06-30): [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted].<br>Seller Comment (2025-06-30): [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on 5.15 and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400718 |  |  |  | 33781933 |  | 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 [Redacted] ([Redacted]) business days prior to closing. | Earliest CD provided is the final consumer CD dated [Redacted] |  |  |  | Reviewer Comment (2025-07-08): [Redacted]received [Redacted]CD[Redacted]business days prior to consummation.<br>Seller Comment (2025-07-07): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted]business days before the closing date of [Redacted].<br>Seller Comment (2025-07-07): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted]and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400015 |  |  |  | 32354763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account |  |  |  | Reviewer Comment (2024-10-29): [Redacted] amount is disclosed as [Redacted] with proper setup. All other property expenses are non-escrowed.<br>Buyer Comment (2024-10-29): The client does not have an escrow account for property taxes or homeowners insurance as listed on page [Redacted] of the final closing disclosure and evidenced by the signed/dated escrow waiver in your loan file on page [Redacted] [Redacted]. However, as noted in your exceptions the client does pay $[Redacted]/monthly for mortgage insurance with the monthly mortgage payment. Per these funds being collected and paid on the clients behalf, we disclose the total amounts and monthly payment information in this manner on page [Redacted]of the CD to provide visibility and transparency to the consumer. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400467 |  |  |  | 33547258 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan will have an escrow account. | Cured on post closing disclosure, missing letter of explanation to borrower to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400467 |  |  |  | 33547257 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted]for loan with no escrow account established. | Cured on post closing disclosure, missing letter of explanation to borrower to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400015 |  |  |  | 32354762 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-10-29): [Redacted] amount is disclosed as escrowed with proper setup. All other property expenses are non-escrowed.<br>Buyer Comment (2024-10-29): The client does not have an [Redacted] account for property taxes or homeowners insurance as listed on page [Redacted] of the final closing disclosure and evidenced by the signed/dated escrow waiver in your loan file on page [Redacted] ([Redacted]). However, as noted in your exceptions the client does pay $[Redacted] for mortgage insurance with the [Redacted] mortgage payment. Per these funds being collected and paid on the clients behalf, we disclose the total amounts and monthly payment information in this manner on page [Redacted] of the CD to provide visibility and transparency to the consumer. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400944 |  |  |  | 34007436 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | The Final CD provided was missing page [Redacted]. Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): Complete [Redacted] CD received.<br>Buyer Comment (2025-07-15): Please see attached, page [Redacted] of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400539 |  |  |  | 33540522 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Cured after closing, no letter of explanation, evidence of refund or delivery provided to complete cure. |  |  |  | Reviewer Comment (2025-06-03): Cured prior to discovery.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that the subject property is located in [Redacted], and the state of [Redacted]offers a discount on their property taxes when they're paid in advance. Since the property [Redacted] into the mortgage payment and will be paid in advance in order for the borrower to receive this discount, the amount of $[Redacted] was used to qualify, as evidenced on the most recent tax bill. Additionally, the HOI annual premium is $[Redacted]. Together these amounts total $[Redacted]divided by [Redacted]months equals $[Redacted]a month. This matches page page [Redacted]of the final Closing Disclosure. $[Redacted]x [Redacted]months equals $[Redacted], which matches the amount of Escrowed Property Costs over Year [Redacted] on page [Redacted]of the final CD.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that the subject property is located in [Redacted], and the state of [Redacted]offers a discount on their property taxes when they're paid in advance. Since the property taxes are escrowed into the mortgage payment and will be paid in advance in order for the borrower to receive this discount, the amount of $[Redacted] was used to qualify, as evidenced on the most recent tax bill. Additionally, the HOI annual premium is $[Redacted]. Together these amounts total $[Redacted] divided by [Redacted] months equals $[Redacted] a month. This matches page page [Redacted] of the final Closing Disclosure. $[Redacted] months equals $[Redacted], which matches the amount of Escrowed Property Costs over Year [Redacted] on page [Redacted] of the final CD. |  | X |  | 2 C B |  | X | Investment | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | N/A | N/A | Yes |
|  | GCATINV400182 |  |  |  | 33275869 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | [Redacted] - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | Total of Payments under disclosed on Closing Disclosure issued [Redacted], corrected on Closing Disclosure issued [Redacted] considered post close requires evidence of receipt, letter of explanation and refund to complete cure. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received [Redacted] Corrected CD, LOE to borrower, copy of settlement statement and lender attestation that [Redacted] PCCD was not issued to borrower. [Redacted] CD is final for fees with no increase over tolerance from final CD<br>Seller Comment (2025-04-23): Lender Attestation attached. | X |  |  | 1 C A |  | X | Investment | 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 (required on rescindable transactions) | N/A | N/A | Yes |
|  | GCATINV400389 |  |  |  | 33605060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | The Post Closing CD has corrected the Total of Payments. However, the file does not contain the Letter of Explanation to the Borrower, evidence of delivery and proof of refund if applicable. |  |  |  | Reviewer Comment (2025-07-08): Cure docs provided<br>Seller Comment (2025-07-08): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400199 |  |  |  | 33287112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Cured on post close disclosure, missing letter of explanation and delivery to complete cure. |  |  |  | Reviewer Comment (2025-04-23): Upon further review HOI disclosure is acceptable.<br>Seller Comment (2025-04-22): "yes" on taxes and escrow | X |  |  | 1 C A |  | X | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400467 |  |  |  | 33547281 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Cured on post closing disclosure, missing letter of explanation to borrower to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400944 |  |  |  | 34007435 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on[Redacted] are underdisclosed | The Final CD provided was missing page [Redacted]. Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): [Redacted]eceived missing pag[Redacted]of final CD<br>Buyer Comment (2025-07-15): Please see attached, page [Redacted] of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400314 |  |  |  | 33485797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Cured on Closing Disclosure issued [Redacted], missing LOE regarding changes to complete cure. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] received [Redacted]<br>Seller Comment (2025-05-26): [Redacted] is in the initial Closing Disclosure, the loan amount at the time of disclosure was [Redacted] resulting in a higher payment on the ICD | X |  |  | 1 C A |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400314 |  |  |  | 33485789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Cured on Closing Disclosure issued [Redacted], missing LOE regarding changes to complete cure. |  |  |  | Reviewer Comment (2025-05-27): [Redacted]received [Redacted]-[Redacted]-[Redacted]CD<br>Seller Comment (2025-05-26): [Redacted] CD is in the initial Closing Disclosure, the loan amount at the time of disclosure was $[Redacted]resulting in a higher payment on the ICD | X |  |  | 1 C A |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | N/A | N/A | Yes |
|  | GCATINV400467 |  |  |  | 33547255 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Cured on post closing disclosure, missing letter of explanation to borrower to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400572 |  |  |  | 33576154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan allows for Partial Payments. | The Final CD did not have any of the boxes checked in the "Partial Payments" section on page 4. |  |  |  | Reviewer Comment (2025-06-06): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-05): LI Completed Please see attached PCCD, Letter of explanation and proof of delivery to the borrower |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400944 |  |  |  | 34007434 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | The Final CD provided was missing page [Redacted]. Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): Complete [Redacted] CD received.<br>Buyer Comment (2025-07-15): Please see attached, page [Redacted] of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400603 |  |  |  | 33673373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | The flood insurance was included in the "Other" section page [Redacted] of the CD. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | Good Faith Redisclosure B A | N/A | N/A | Yes |
|  | GCATINV400681 |  |  |  | 33795865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Reviewer Comment (2025-08-26): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether [Redacted] is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "[Redacted]" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/[Redacted]) |  |  |  | 2 B |  | X | Investment | Purchase | Good Faith Redisclosure C B A | N/A | N/A | Yes |
|  | GCATINV400735 |  |  |  | 33940951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | [Redacted] - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400737 |  |  |  | 33940981 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400745 |  |  |  | 33941036 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400746 |  |  |  | 33941043 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges exception, no change in grading |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400749 |  |  |  | 33941075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400940 |  |  |  | 34007410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400950 |  |  |  | 34007463 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400956 |  |  |  | 34007487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-10): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400958 |  |  |  | 34007496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-10): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400964 |  |  |  | 34049411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400965 |  |  |  | 34049425 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-30): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400970 |  |  |  | 34049511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected [Redacted] : Final [Redacted] [Redacted] provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed [Redacted] to consumer in "[Redacted] " section where regulation requires disclosure under "Homeowner's Insurance" section of Projected [Redacted] table. Disclosure requirement met, [Redacted] -[Redacted][Redacted] for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400975 |  |  |  | 34049544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-26): [Redacted] acknowledges exception, no change in grading |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400980 |  |  |  | 34049614 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400981 |  |  |  | 34049628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-26): [Redacted] acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400060 |  |  |  | 33130223 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | $[Redacted] annual PUD fee not included on Closing Disclosure. |  |  |  | Reviewer Comment (2025-04-13): [Redacted]Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-04-11): please see LOE snippet where bwr acknolwedged<br>Reviewer Comment (2025-04-06): [Redacted] received Corrected Closing Disclosure but missing Letter of Explanation to accompanied CD.<br>Seller Comment (2025-04-04): [Redacted] annual [Redacted] fee disclosed on [Redacted] |  | X |  | 2 C B |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400153 |  |  |  | 33421780 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Closing Disclosure issued[Redacted] includes HOA fee in page [Redacted] Estimated Taxes, Insurance & Assessments and page [Redacted]Non-Escrowed Property Costs over Year [Redacted], however no HOA fee was verified. |  |  |  | Reviewer Comment (2025-05-13): [Redacted] received corrected [Redacted] and [Redacted] .<br>Seller Comment (2025-05-12): PCCD with HOA fee removed<br>Seller Comment (2025-05-12): Explanation on HOA Fee |  | X |  | 2 C B |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400467 |  |  |  | 33547254 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan contains Negative Amortization. | Cured on post closing disclosure, missing letter of explanation to borrower to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400944 |  |  |  | 34007433 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan contains Negative Amortization. | The Final CD provided was missing page [Redacted][Redacted]Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): Complete [Redacted]received.<br>Buyer Comment (2025-07-15): Please see attached, page 4 of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400944 |  |  |  | 34007432 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA [Redacted] Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | The Final CD provided was missing page [Redacted]. Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): Complete[Redacted] CD received.<br>Buyer Comment (2025-07-15): Please see attached, page [Redacted]of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400199 |  |  |  | 33287111 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Cured on post close disclosure, missing letter of explanation and delivery to complete cure. |  |  |  | Reviewer Comment (2025-04-23): Upon further review [Redacted] disclosure is acceptable.<br>Seller Comment (2025-04-22): final CD has "yes" for HO insurance and Tax escrows. | X |  |  | 1 C A |  | X | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400069 |  |  |  | 33292221 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance charges underdisclosed by $[Redacted], $[Redacted]in HOA fees in section C are being tested as Condo Questionnaire. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] received Corrected CD and LOE to borrower updating fee to proper section.<br>Seller Comment (2025-05-05): I believe this condition was part of the other HOA fees condition that was already cleared. Please clear | X |  |  | 1 C A |  | X | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400182 |  |  |  | 33275868 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | [Redacted] - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge under disclosed on Closing Disclosure issued [Redacted], corrected on Closing Disclosure issued [Redacted]considered post close requires evidence of receipt, letter of explanation and refund to complete cure. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received [Redacted] Corrected CD, LOE to borrower, copy of settlement statement and lender attestation that [Redacted] PCCD was not issued to borrower. [Redacted] CD is final for fees with no increase over tolerance from final CD<br>Seller Comment (2025-04-23): Lender Attestation attached | X |  |  | 1 C A |  | X | Investment | 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) | N/A | N/A | Yes |
|  | GCATINV400295 |  |  |  | 33480103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge understated by $[Redacted]. Missing itemization of $[Redacted]Seller credit. |  |  |  | Reviewer Comment (2025-06-05): [Redacted] received [Redacted], Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-06-04): PCCD/refund<br>Reviewer Comment (2025-05-27): Finance Charge is underdisclosed by $[Redacted]. The following are fees included in [Redacted] calculation of prepaid finance charges: Application Fee $[Redacted], Flood Cert $[Redacted], prepaid Int $[Redacted], Processing fee $[Redacted], Tax service $[Redacted], Title-Attorney $[Redacted], Title-CPL $[Redacted], Title-Doc Delivery $[Redacted]and VOE Fee $[Redacted]. Lender can provide a written attestation on any fee and the specific services provided to determine if a finance charge if lender disagrees, or cure is Corrected CD, LOE to borrower, copy of cure refund of $[Redacted]and proof of mailing.<br>Seller Comment (2025-05-25): Please advise of AMC calculations; APR fee discrepancy is $[Redacted] title update fee; which is within the allowable tolerance threshold |  | X |  | 2 C B |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400353 |  |  |  | 33505917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed is over disclosed by $[Redacted]. Missing evidence that the Extension Fee of $[Redacted]was not actually charged to the borrower at close. |  |  |  | Reviewer Comment (2025-05-30): Upon further review finance charge was correctly disclosed to consumer<br>Seller Comment (2025-05-29): Please see the Final SASS uploaded to document the Extension Fee not charged to borrower at closing. | X |  |  | 1 C A |  | X | 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 |
|  | GCATINV400389 |  |  |  | 33604851 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The Post Closing CD has corrected the finance charge. However, the file does not contain the Letter of Explanation to the Borrower, evidence of delivery and proof of refund if applicable. |  |  |  | Reviewer Comment (2025-06-11): Received seller credit itemization | X |  |  | 1 C A |  | X | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400425 |  |  |  | 33539849 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Cured on Closing Disclosure after closing, missing letter to borrower, evidence of delivery and proof of refund to complete cure. |  |  |  | Reviewer Comment (2025-06-19): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-06-18): Please clear finding with the provided - Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-06-16): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-06-13): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | X |  | 2 C B |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400539 |  |  |  | 33540480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Cured after closing, no letter of explanation, evidence of refund or delivery provided to complete cure. |  |  |  | Reviewer Comment (2025-06-03): Upon further review finance charge was correctly disclosed to consumer | X |  |  | 1 C A |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400734 |  |  |  | 33940950 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed a finance charge of $[Redacted]; calculated finance charge is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-17): Lender cure credit to finance charge underdisclosure provided to borrower at closing.<br>Reviewer Comment (2025-06-17): $[Redacted]lender credit is disclosed as a cure on the Final CD and not as an lender credit to offset. As this is noted as a cure for the Origination Fee $[Redacted]and Processing Fee $[Redacted], as this is a Material Disclosure violation to meet Material Disclosure with Restitution [Redacted](b) requirements, but also provide an LOE to borrower please provide the LOE to borrower explaining the [Redacted].<br>Buyer Comment (2025-06-17): Please refer to page 1[Redacted] DOC ID [Redacted] of the loan images showing that the Origination Fee and Processing Fee were lender paid and therefore excludable from the finance charge calculation. |  | X |  | 2 C B |  | X | Second Home | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400929 |  |  |  | 34007365 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance charge variance of $[Redacted]is due to the [Redacted]. Please provide additional information from the title company as to what is included in this fee. Note: Lender attestation specific to title affiliate for [Redacted] Fee cannot be considered as the title issuer was a third-party. |  |  |  | Reviewer Comment (2025-07-17): [Redacted]received lender attestation that service fee part of title insurance<br>Buyer Comment (2025-07-16): Please see the attached [Redacted]from the settlement agent confirming the title service charges are part of the title insurance which is not a finance charge. Please exclude from the calculation to cure. | X |  |  | 1 C A |  | X | 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 |
|  | GCATINV400087 |  |  |  | 33071229 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed "Escrowed Property Cost over Year [Redacted] of $[Redacted]($[Redacted]/monthly) for flood insurance, actual is $[Redacted]per Flood Insurance in file, a difference of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-02): Upon further review the payment is acceptable.<br>Seller Comment (2025-03-31): [Redacted] The monthly Escrow amount is [Redacted] = [Redacted]. If you disagree please provide your [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | N/A | N/A | Yes |
|  | GCATINV400539 |  |  |  | 33540508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream [Redacted] that does not match the actual payment for the loan. | Cured after closing, no letter of explanation, evidence of refund or delivery provided to complete cure. |  |  |  | Reviewer Comment (2025-06-03): Cured prior to discovery.<br>Seller Comment (2025-06-02): [Redacted] Please note that the subject property is located in [Redacted], and the state of [Redacted]offers a discount on their property taxes when they're paid in advance. Since the property taxes are escrowed into the mortgage payment and will be paid in advance in order for the borrower to receive this discount, the amount of [Redacted]was used to qualify, as evidenced on the most recent tax bill. Additionally, the HOI annual premium is $[Redacted]Together these amounts total [Redacted] divided by [Redacted] months equals [Redacted] a month. This matches page page 1of the final Closing Disclosure. $[Redacted]months equals $[Redacted] which matches the amount of Escrowed Property Costs over Year [Redacted]on page [Redacted]of the final CD.<br>Seller Comment (2025-06-02): [Redacted] AMB: Please note that the subject property is located in [Redacted], and the [Redacted]offers a discount on their property taxes when they're paid in advance. Since the property taxes are escrowed into the mortgage payment and will be paid in advance in order for the borrower to receive this discount, the amount of $[Redacted]was used to qualify, as evidenced on the most recent tax bill. Additionally, the [Redacted]annual premium is $[Redacted]. Together these amounts total $[Redacted]divided by [Redacted]months equals $[Redacted]a month. This matches page page 1of the final Closing Disclosure. $[Redacted]x [Redacted]months equals $[Redacted], which matches the amount of Escrowed Property Costs over Year [Redacted]on page [Redacted]of the final CD. |  | X |  | 2 C B |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | N/A | N/A | Yes |
|  | GCATINV400015 |  |  |  | 32354761 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. |  |  |  |  | Reviewer Comment (2024-10-29): MI amount is disclosed as escrowed with proper setup. All other property expenses are non-escrowed.<br>Buyer Comment (2024-10-29): The client does not have an escrow account for property taxes or homeowners insurance as listed on page [Redacted] of the final closing disclosure and evidenced by the signed/dated escrow waiver in your loan file on page [Redacted]([Redacted]). However, as noted in your exceptions the client does pay $[Redacted]/monthly for mortgage insurance with the monthly mortgage payment. Per these funds being collected and paid on the clients behalf, we disclose the total amounts and monthly payment information in this manner on page [Redacted] of the CD to provide visibility and transparency to the consumer. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400439 |  |  |  | 33532962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [Redacted]of [Redacted]on Final Closing Disclosure provided on [Redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2025-06-24): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-23): [Redacted] Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-05-29): Corrected on [Redacted] Closing Disclosure however missing letter to borrower explaining changes,. |  | X |  | 2 C B |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
|  | GCATINV400944 |  |  |  | 34007431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan will have an escrow account. | The Final CD provided was missing page [Redacted]. Please provide the complete final closing disclosure for further review of this exception. |  |  |  | Reviewer Comment (2025-07-16): Complete [Redacted] CD received.<br>Buyer Comment (2025-07-15): Please see attached, page [Redacted]of the CD as requested. | X |  |  | 1 C A |  | X | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400085 |  |  |  | 33086185 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | [Redacted] - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | The Lender Contact [Redacted] was not disclosed on the Closing disclosure dated [Redacted]. |  |  |  | Reviewer Comment (2025-04-01): Received NMLS, exception cleared<br>Seller Comment (2025-03-29): [Redacted] The Lender Contact has not been issued an [Redacted]# nor a state license # so there is none to disclose which complies with TILA [Redacted](r)([Redacted]) | X |  |  | 1 C A |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure A | N/A | N/A | Yes |
|  | GCATINV400105 |  |  |  | 33092152 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information [Redacted] | The Lender Contact Name and Contact [Redacted] was not disclosed on the Closing Disclosure issued [Redacted]. |  |  |  | Reviewer Comment (2025-04-04): Upon further review contact information is acceptable.<br>Seller Comment (2025-04-03): [Redacted] [Redacted] The Lender Contact has not been issued an [Redacted] # nor a state license # so there is none to disclose which complies with TILA [Redacted] (r)([Redacted]) | X |  |  | 1 C A |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure A | N/A | N/A | Yes |
|  | GCATINV400115 |  |  |  | 33092008 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | [Redacted] - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required [Redacted] Information [Redacted]. | The Lender contact [Redacted] was not disclosed on the Closing Disclosure issued [Redacted]. |  |  |  | Reviewer Comment (2025-04-04): Upon further review contact information is acceptable.<br>Seller Comment (2025-04-03): [Redacted] The Lender Contact has not been issued an NMLS# nor a state license # so there is none to disclose which complies with TILA [Redacted](r)([Redacted]) | X |  |  | 1 C A |  | X | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure A | N/A | N/A | Yes |
|  | GCATINV400069 |  |  |  | 33292220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[Redacted]). | Amount financed overdisclosed $[Redacted], $[Redacted]in HOA fees in section C are being tested as Condo Questionnaire. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] received Corrected CD and LOE to borrower updating fee to proper section.<br>Seller Comment (2025-05-02): [Redacted] agrees that they incorrectly disclosed the HOA fees in section C on the Final Closing Disclosure. These HOA fees are applied to April dues and prepaid assessments. Pursuant to Regulation [Redacted], these fees should be disclosed in [Redacted] - Other. To rectify this, [Redacted] has issued the borrowers a PCCD with the correct placement of fees and a Letter of Explanation. Copies of this PCCD and LOX are enclosed with this response.<br>Seller Comment (2025-05-02): [Redacted] agrees that they incorrectly disclosed the [Redacted] fees in section [Redacted] on the Final Closing Disclosure. These [Redacted] fees are applied to [Redacted] dues and prepaid assessments. Pursuant to Regulation Z § [Redacted](g)([Redacted]), these fees should be disclosed in section [Redacted] - Other. To rectify this, [Redacted] has issued the borrowers a [Redacted] with the correct placement of fees and a Letter of Explanation. Copies of this PCCD and LOX are enclosed with this response.<br>Seller Comment (2025-05-02): [Redacted] agrees that they incorrectly disclosed the HOA fees in section C on the Final Closing Disclosure. These HOA fees are applied to April dues and prepaid assessments. Pursuant to Regulation Z [Redacted], these fees should be disclosed in section H - Other. To rectify this, [Redacted] has issued the borrowers a PCCD with the correct placement of fees and a Letter of Explanation. Copies of this PCCD and LOX are enclosed with this response. | X |  |  | 1 C A |  | X | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400182 |  |  |  | 33275867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | [Redacted] - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed over disclosed on Closing Disclosure issued [Redacted], corrected on Closing Disclosure issued [Redacted] considered post close requires evidence of receipt, letter of explanation and refund to complete cure. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received [Redacted] Corrected CD, LOE to borrower, copy of settlement statement and lender attestation that [Redacted] PCCD was not issued to borrower. [Redacted] CD is final for fees with no increase over tolerance from final CD<br>Seller Comment (2025-04-23): Lender attestation attached | X |  |  | 1 C A |  | X | Investment | 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) | N/A | N/A | Yes |
|  | GCATINV400295 |  |  |  | 33480119 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount financed overstated by $[Redacted]. Missing itemization of $[Redacted]Seller credit. |  |  |  | Reviewer Comment (2025-06-05): [Redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-06-04): PCCD/refund |  | X |  | 2 C B |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400353 |  |  |  | 33505916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed is over disclosed by $[Redacted]. Missing evidence that the Extension Fee of $[Redacted]was not actually charged to the borrower at close. |  |  |  | Reviewer Comment (2025-05-30): Upon further review the Amount Financed was correctly disclosed to consumer<br>Seller Comment (2025-05-29): Please see the attached Final [Redacted] to document the Extension Fee not charged to borrower at closing. | X |  |  | 1 C A |  | X | 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 |
|  | GCATINV400389 |  |  |  | 33604850 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The Post Closing CD has corrected the amount financed. However, the file does not contain the Letter of Explanation to the Borrower, evidence of delivery and proof of refund if applicable. |  |  |  | Reviewer Comment (2025-06-11): Received seller credit itemization | X |  |  | 1 C A |  | X | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400425 |  |  |  | 33539848 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Cured on Closing Disclosure after closing, missing letter to borrower, evidence of delivery and proof of refund to complete cure. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-06-13): Please see [Redacted], [Redacted], [Redacted]. |  | X |  | 2 C B |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400539 |  |  |  | 33540479 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Cured after closing, no letter of explanation, evidence of refund or delivery provided to complete cure. |  |  |  | Reviewer Comment (2025-06-03): Upon further review the Amount Financed was correctly disclosed to consumer | X |  |  | 1 C A |  | X | Investment | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | N/A | N/A | Yes |
|  | GCATINV400734 |  |  |  | 33940949 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance is $[Redacted]. |  |  |  | Reviewer Comment (2025-06-17): Lender cure credit to finance charge underdisclosure provided to borrower at closing.<br>Reviewer Comment (2025-06-17): $[Redacted]lender credit is disclosed as a cure on the Final CD and not as an lender credit to offset. As this is noted as a cure for the Origination Fee $[Redacted]and Processing Fee $[Redacted], as this is a Material Disclosure violation to meet Material Disclosure with [Redacted][Redacted](b) requirements, but also provide an LOE to borrower please provide the LOE to borrower explaining the violation and cure.<br>Buyer Comment (2025-06-17): Please refer to page [Redacted]/[Redacted]DOC ID [Redacted]of the loan images showing that the Origination Fee and Processing Fee were lender paid and therefore excludable from the finance charge calculation. |  | X |  | 2 C B |  | X | Second Home | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400929 |  |  |  | 34007364 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed variance of $[Redacted]is due to the [Redacted]. Please provide additional information from the title company as to what is included in this fee. Note: Lender attestation specific to title affiliate for the [Redacted]Title Service Fee cannot be considered as the title issuer was a third-party. |  |  |  | Reviewer Comment (2025-07-17): [Redacted]received lender attestation that service fee part of title insurance | X |  |  | 1 C A |  | X | 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 |
|  | GCATINV400094 |  |  |  | 33080752 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | [Redacted]: Closing Disclosure estimated to be provided on [Redacted] 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. | Incomplete CD with a closing date of [Redacted] used in compliance testing. |  |  |  | Reviewer Comment (2025-04-02): [Redacted]received lender attestation confirming CD never issued to borrower.<br>Seller Comment (2025-03-29): [Redacted] The CD missing an issue date is an external CD from the Title company to help them balance our wire and was NOT issued to the borrower. Please remove this CD from your analysis. | X |  |  | 1 C A |  | X | Second Home | Purchase | Good Faith Redisclosure D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400188 |  |  |  | 33275906 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] 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 was left blank on incomplete Closing Disclosure. It appears issue date was [Redacted] based on other disclosures provided. Missing affidavit that this disclosure was never provided to borrower.. |  |  |  | Reviewer Comment (2025-04-18): Capture is acceptable.<br>Seller Comment (2025-04-17): initial closing disclosure package with e-sign audit log | X |  |  | 1 C A |  | X | Investment | Purchase | Good Faith Redisclosure C A | N/A | N/A | Yes |
|  | GCATINV400286 |  |  |  | 33478496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [Redacted] days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | The APR was not provided on the Closing Disclosure. |  |  |  | Reviewer Comment (2025-06-06): [Redacted] received LOA<br>Seller Comment (2025-06-05): Attestation provided, document ID [Redacted]is a title fee sheet, explanation previously provided.<br>Reviewer Comment (2025-06-05): Exception is connected with the Interim CD timing violation also. The[Redacted] CD, Doc ID [Redacted], reflects a blank APR which would test as a change in APR to the subsequent [Redacted] CD. Lender to provide attestation/explanation to clarify the blank APR on the [Redacted] CD and if a clerical error as clarify procedures in place to ensure APR properly populates on the CD. If a disclosure was not issued to borrower, [Redacted] requires a Lender Attestation document that specifies any disclosure(s) and identifying of the disclosure, an explanation on why the disclosure was included in loan package for testing and if not disclosed to borrower, attesting that borrower was never issued or disclosed the disclosure(s) in question. Please provide a written document general attestation from lender with specific information identifying draft or title balancing CDs that are not provided to consumer to be used for lenders files to exclude non-borrower CDs from testing. Please provide attestation indicating incomplete CDs with no issue date, [Redacted]% or blank interest rate, no payments, and/or blank page [Redacted] loan calculations table are draft or title balancing CDs not disclosed/provided to consumer. [Redacted] can then retest if no information in file reflects a disclosure was provided to borrower<br>Seller Comment (2025-06-03): Attestation -[Redacted]CD<br>Reviewer Comment (2025-05-27): [Redacted] reflects a blank [Redacted] which would test as a change in [Redacted]. Lender to provide [Redacted] to clarify the blank APR on the [Redacted] and if a clerical error as clarify procedures in place to ensure [Redacted].<br>Reviewer Comment (2025-05-27): reopen to address<br>Reviewer Comment (2025-05-27): Upon further review, [Redacted] CD missing APR and unsigned by borrower, was no change in APR requiring new timing requirement.<br>Seller Comment (2025-05-25): Attestation - title fee sheet | X |  |  | 1 C A |  | X | Investment | Purchase | TRID timing exception, no remediation available. A C | N/A | N/A | No |
|  | GCATINV400414 |  |  |  | 33539206 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [Redacted] days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three ([Redacted]) business days prior to consummation. | APR increased on closing disclosure issued [Redacted], missing evidence of [Redacted] receipt as [Redacted] signature date was not within [Redacted]business days of [Redacted] closing date. |  |  |  | Reviewer Comment (2025-06-18): [Redacted] received proof of earlier receipt of [Redacted] CD to meet timing requirements<br>Seller Comment (2025-06-17): Disagree - Please see the attached TRID Disclosure History and Closing disclosure that shows the borrower was sent the increased APR/Closing Disclosure on [Redacted]<br> and consented to it on [Redacted]This meets the[Redacted]<br> business days before the closing date of [Redacted]<br>Seller Comment (2025-06-17): Disagree - Please see the attached TRID Disclosure History and Closing disclosure that shows the borrower was sent the increased APR/Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted].<br>Reviewer Comment (2025-06-12): There is a [Redacted] CD in file with an disclosed APR of [Redacted]% which is within tolerance of accuracy and would clear exception if there is evidence [Redacted] was received at least [Redacted] business days prior to consummation.<br>Reviewer Comment (2025-06-12): [Redacted] and [Redacted] require that the consumer receives accurate disclosures with the actual terms of the transaction at least three [Redacted] specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new [Redacted]-day waiting period prior to consummation provided. The APR on the most recent CD received [Redacted] days prior to consummation ([Redacted]) changed more than the [Redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [Redacted] business days prior to consummation. | X |  |  | 1 C A |  | X | Second Home | Purchase | TRID timing exception, no remediation available. B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400106 |  |  |  | 33071549 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-01): Final Title policy provided, exception cleared | X |  |  | 1 A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400107 |  |  |  | 33088428 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-01): Final Title provided, exception cleared | X |  |  | 1 A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400534 |  |  |  | 33614595 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-11): Final Title provided, exception cleared. | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400682 |  |  |  | 33781812 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-08): Final title provided | X |  |  | 1 A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400697 |  |  |  | 33788428 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-04): Recevied final title, exception cleared<br>Reviewer Comment (2025-07-04): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Title Evidence: Preliminary | X |  |  | 1 A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400937 |  |  |  | 34007394 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Final Title Policy with sufficient coverage. | X |  |  | 1 A |  | X | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400023 |  |  |  | 33038974 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-03-18): Received commitment reflecting correct loan amount.<br>Seller Comment (2025-03-17): Updated Title Commitment | X |  |  | 1 B A |  | X | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
|  | GCATINV400071 |  |  |  | 33009611 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400099 |  |  |  | 33074806 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400137 |  |  |  | 33090406 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-04-01): Title Commitment with updated loan policy coverage provided, exception cleared<br>Seller Comment (2025-03-27): [Redacted] please see attached please clear thank you | X |  |  | 1 B A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33196646 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33196825 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400264 |  |  |  | 33451454 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400416 |  |  |  | 33547779 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400467 |  |  |  | 33547235 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-18): Received updated title commitment.<br>Seller Comment (2025-06-18): please see attached doc JK [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400478 |  |  |  | 33540387 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400568 |  |  |  | 33635513 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400572 |  |  |  | 33574109 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400577 |  |  |  | 33573354 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400596 |  |  |  | 33730559 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | GCATINV400602 |  |  |  | 33676185 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
|  | GCATINV400612 |  |  |  | 33731674 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400674 |  |  |  | 33763510 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400682 |  |  |  | 33781810 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-08-08): [Redacted] provided<br>Seller Comment (2025-08-06): [Redacted]RF please see attached please clear thank you | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400732 |  |  |  | 33791377 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-10): [Redacted] with sufficient coverage provided. Exception cleared.<br>Buyer Comment (2025-06-09): Final title policy is attached with coverage matching the loan amount | X |  |  | 1 B A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400839 |  |  |  | 34007279 |  | 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. |  |  |  |  | Buyer Comment (2025-07-14): seller accepts; no change to grading. |  |  | X | 2 B |  | X | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | GCATINV400844 |  |  |  | 34007283 |  | 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. |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges. No change in grading. |  |  | X | 2 B |  | X | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCATINV400926 |  |  |  | 34007362 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Final Title Policy evidencing sufficient coverage. Exception cleared.<br>Buyer Comment (2025-07-15): Please see attached final title policy. | X |  |  | 1 B A |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400931 |  |  |  | 34007372 |  | 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. |  |  |  |  | Buyer Comment (2025-07-10): seller accepts; no change to grading. |  |  | X | 2 B |  | X | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400939 |  |  |  | 34007407 |  | 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. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400945 |  |  |  | 34007440 |  | 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. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400965 |  |  |  | 34049428 |  | 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. |  |  |  |  | Buyer Comment (2025-06-30): [Redacted] acknowledges. No change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400973 |  |  |  | 34049522 |  | 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. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401007 |  |  |  | 34049683 |  | 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. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV401010 |  |  |  | 34049685 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-19): Final Title Policy provided. Exception cleared.<br>Buyer Comment (2025-06-19): Please see the final title policy with sufficient coverage attached | X |  |  | 1 B A |  | X | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCATINV400544 |  |  |  | 33621803 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Title Evidence is not a standard policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2025-06-13): [Redacted]provided.<br>Seller Comment (2025-06-13): [Redacted] [Redacted]: The ATOL states multiple times it is for the use of [Redacted] and it's successors. Please see page [Redacted].<br>Reviewer Comment (2025-06-13): ATOL does is not addressed to all successors as required per guidelines.<br>Seller Comment (2025-06-12): [Redacted] tm: Please see [Redacted]guideline[Redacted]/[Redacted]-[Redacted]-[Redacted]/attorney-title-opinion-letter-requirements<br>Seller Comment (2025-06-12): [Redacted] tm: Why is this exception being cited? An attorney opinion letter is acceptable in place of a full title policy. | X |  |  | 1 A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400259 |  |  |  | 33441131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after [Redacted], no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted]may be required. | No Loan Estimates provided. |  |  |  | Reviewer Comment (2025-05-21): [Redacted] received all LE's<br>Seller Comment (2025-05-20): All Loan Estimates were submitted to Portal. Please clarify what you are needing to clear condition.<br>Reviewer Comment (2025-05-20): Exception Completed<br>Reviewer Comment (2025-05-20): [Redacted]received Initial LE dated [Redacted]<br>Seller Comment (2025-05-19): [Redacted]LE DISCLOSED TO BRW ON APRIL [Redacted]<br>Seller Comment (2025-05-19): [Redacted]RD LE MAILED TO BRW ON FEB [Redacted]<br>Seller Comment (2025-05-19): [Redacted] LE MAILED TO BRW ON JAN [Redacted]<br>Seller Comment (2025-05-19): LE MAILED TO BRW ON J[Redacted[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | No Defined Cure B A | N/A | N/A | No |
|  | GCATINV400444 |  |  |  | 33618308 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | AUS item [Redacted] requires primary residence VOR, or [Redacted] months cancelled checks/bank statements, or executed lease and [Redacted] months of bank statements/cancelled checks. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: Lease agreement and [Redacted] months of checks were included in the loan file along with a letter from the landlord confirming borrower's obligation is $[Redacted]. Borrower's roommate pays the landlord and the borrower pays her roommate ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted]as well as [Redacted]paying the landlord. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400562 |  |  |  | 33542390 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Mortgage not reported on credit, AUS condition [Redacted] required [Redacted] months mortgage history paid as agreed. Only [Redacted] statement was provided. |  |  |  | Reviewer Comment (2025-06-19): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-18): [Redacted] Attached.<br>Reviewer Comment (2025-06-06): Please provide VOM for property or updated AUS without condition [Redacted].<br>Seller Comment (2025-06-06): [Redacted] Please note that the mortgage for [Redacted] is a Commercial Equity Loan that was taken out in the name of the [Redacted]hich is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the Wells Fargo Business Banking division, and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a [Redacted]building.<br>Seller Comment (2025-06-06): [Redacted]: Please note that the mortgage for [Redacted] is a Commercial Equity Loan that was taken out in the name of the borrower's business, which is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the Wells Fargo Business Banking division, and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a commercial building.<br>Seller Comment (2025-06-06): [Redacted]: Please note that the mortgage for [Redacted] is a [Redacted] Loan that was taken out in the name of the borrower's business, which is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the [Redacted] division, and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a commercial building. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400636 |  |  |  | 33819396 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing VOM for all the account for [Redacted] per DU #[Redacted]. |  |  |  | Reviewer Comment (2025-07-09): Closing Disclosures and payment letter, exception cleared.<br>Reviewer Comment (2025-07-07): [Redacted]#[Redacted] requires verification of the [Redacted] Loan Store mortgages<br>Seller Comment (2025-07-07): [Redacted]: There are no VOMs or VORs to provide for these as they were only recently opened and the borrower had not been required to make payments yet. CDs and first payment letters were included in loan file to evidence this. | X |  |  | 1 C A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400725 |  |  |  | 33791367 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | A VVOE was in the file reflecting the contact person as "[Redacted]" however, the [Redacted]civilian verification was not located in the file. |  |  |  | Reviewer Comment (2025-06-12): Evidence of civilian VVOE obtained from [Redacted]was provided. Exception cleared.<br>Buyer Comment (2025-06-10): Please see attached confirming [Redacted]to be the source of the VOE. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400875 |  |  |  | 34007315 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file is missing the verbal verification of employment obtained within ten business days of closing. Please provide the VOE from The Work Number dated [Redacted] per the [Redacted] VVOE form. |  |  |  | Reviewer Comment (2025-07-18): Received post close third party verification of co-borrower's employment from [Redacted]. Exception cleared.<br>Buyer Comment (2025-07-18): Please see the attached post-close voe.<br>Reviewer Comment (2025-07-17): The VVOE referred to on page [Redacted]/dba [Redacted] which was not included in qualifying. Please provide the VVOE for borrower's current employment that was utilized in qualifying, from [Redacted]of [Redacted] at [Redacted] (see this borrower's loan application). Exception remains.<br>Buyer Comment (2025-07-16): Please see page [Redacted] which shows Sandeep Kaur's active employment.<br>Reviewer Comment (2025-07-15): The Third Party Verification referred to in file is for the borrower's previous employment. Diligence's file does not contain a VVOE for the borrower's current employment other than the [Redacted] VVOE indicating a TWN VVOE was obtained. Please provide a complete VVOE within [Redacted]business days from borrower's current employment.<br>Buyer Comment (2025-07-15): This is not required & the worknumber provided dated [Redacted] is for this VVOE. This VVOE was obtained on saturday (not a business day) and within [Redacted] days of closing. Please advise [Redacted] was also a federal holiday therefore it doesn't count toward the 10 days. There is no additional voe from [Redacted], because it is not required. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400187 |  |  |  | 33275714 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Missing [Redacted] day verification for borrower with [Redacted]. |  |  |  | Reviewer Comment (2025-05-08): Received VOE.<br>Seller Comment (2025-05-07): please see documents uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400198 |  |  |  | 33277136 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Co-borrower family owned employment with Opperman is missing VOE. |  |  |  | Reviewer Comment (2025-04-22): Received updated AUS and [Redacted] removing [Redacted] income.<br>Seller Comment (2025-04-18): please see attached updated[Redacted]and updated LP with [Redacted]'s income removed , income was not needed for qualifying<br>Seller Comment (2025-04-18): please see attached updated [Redacted] and updated [Redacted] with[Redacted] removed , income was not needed for qualifying | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400355 |  |  |  | 33506544 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | The third party verification for [Redacted] was dated [Redacted] which was not within 10 business days of [Redacted] closing. |  |  |  | Reviewer Comment (2025-06-02): Received VVOE<br>Reviewer Comment (2025-05-30): [Redacted] required [Redacted] with [Redacted] prior to note date, post closing [Redacted]will not resolve.<br>Seller Comment (2025-05-29): vvoe | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400601 |  |  |  | 33677131 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | The VVOE was dated [Redacted] which was not within [Redacted]business days of [Redacted] closing. |  |  |  | Reviewer Comment (2025-06-26): Received [Redacted] dated [Redacted]<br>Seller Comment (2025-06-25): Please see the attached VVOE. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400534 |  |  |  | 33614586 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-11): Final Title provided, exception cleared.<br>Seller Comment (2025-07-10): Attached | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400095 |  |  |  | 33092887 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-01): updated title provided<br>Seller Comment (2025-03-27): [Redacted] SW-please see attached | X |  |  | 1 B A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400106 |  |  |  | 33103521 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-01): Final Title policy provided, exception cleared<br>Seller Comment (2025-03-28): [Redacted]SW-please see attached | X |  |  | 1 B A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400107 |  |  |  | 33088426 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-01): Final Title provided, exception cleared<br>Seller Comment (2025-03-27): [Redacted] [Redacted]-please see attached | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400132 |  |  |  | 33092816 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-15): Received supplement report. Exception cleared.<br>Seller Comment (2025-04-15): Please see attached documentation.<br>Reviewer Comment (2025-04-09): Trailing doc#[Redacted] provided [Redacted] is Title Commitment for [Redacted] which is not our subject property. Exception remains<br>Seller Comment (2025-04-09): [Redacted]cdl - Please see attached documentation.<br>Reviewer Comment (2025-04-04): Provided Supplemental report Doc#[Redacted]does not does not reflect a coverage amount. Exception remains.<br>Seller Comment (2025-04-03): [Redacted] cdl - Please see attached supplemental report. | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400500 |  |  |  | 33563555 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400618 |  |  |  | 33788438 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400631 |  |  |  | 33789061 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400636 |  |  |  | 33818839 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400697 |  |  |  | 33788429 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-04): Recevied final title, exception cleared<br>Seller Comment (2025-07-02): Please see attached title policy. | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400702 |  |  |  | 33787803 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400728 |  |  |  | 33791371 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-10): Final Title Policy with sufficient coverage was provided. Exception cleared.<br>Buyer Comment (2025-06-10): Please see the attached final title policy noting the coverage amount. | X |  |  | 1 B A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400741 |  |  |  | 33941025 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400749 |  |  |  | 33941073 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400777 |  |  |  | 33941110 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change in grading |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400805 |  |  |  | 33941132 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400806 |  |  |  | 33941133 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-18): seller accepts; no change to grading. |  |  | X | 2 B |  | X | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCATINV400807 |  |  |  | 33941135 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges exception, no change in grading |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400825 |  |  |  | 33941148 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400829 |  |  |  | 33941151 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400830 |  |  |  | 33941153 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400832 |  |  |  | 33941155 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | D B C A |  | N/A | No |
|  | GCATINV400833 |  |  |  | 33941157 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400838 |  |  |  | 34007278 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | GCATINV400849 |  |  |  | 34007288 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400868 |  |  |  | 34007307 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-16): Seller acknowledges exception, no change in grading |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400872 |  |  |  | 34007312 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-16): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | GCATINV400876 |  |  |  | 34007316 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400879 |  |  |  | 34007320 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-15): seller accepts; no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400883 |  |  |  | 34007324 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400885 |  |  |  | 34007327 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400892 |  |  |  | 34007330 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400895 |  |  |  | 34007333 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400901 |  |  |  | 34007337 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-16): Received final title report with coverage amount. Exception cleared.<br>Buyer Comment (2025-07-16): Please see the attached final title. | X |  |  | 1 B A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400907 |  |  |  | 34007344 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-14): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400924 |  |  |  | 34007361 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-15): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-07-15): Please see the attached final title policy. | X |  |  | 1 B A |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400937 |  |  |  | 34007395 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-11): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-07-11): Please see the attached final title report noting the coverage amount. | X |  |  | 1 B A |  | X | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401006 |  |  |  | 34049681 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-26): seller accepts; no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV401029 |  |  |  | 34049709 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV401042 |  |  |  | 34049719 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | GCATINV401052 |  |  |  | 34049728 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV401056 |  |  |  | 34049730 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-19): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | C B A |  | N/A | No |
|  | GCATINV400197 |  |  |  | 33276320 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | The Note has not been signed by the borrower(s). |  | Borrower did not sign Note. |  |  |  | Reviewer Comment (2025-04-21): Received signed note<br>Seller Comment (2025-04-17): NOTE | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400255 |  |  |  | 33439614 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | The Note has not been signed by the borrower(s). |  |  |  |  |  | Reviewer Comment (2025-05-20): Signed Note provided, exception cleared.<br>Seller Comment (2025-05-20): signed NOTE | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400173 |  |  |  | 33197714 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Homeowners insurance policy has an effective date of [Redacted] and started after the loan closed on [Redacted]. |  |  |  | Reviewer Comment (2025-04-09): Received updated policy.<br>Seller Comment (2025-04-09): [Redacted], [Redacted], [Redacted]<br>Seller Comment (2025-04-09): [Redacted]<br>Seller Comment (2025-04-09): REV HOI, RCE, PCCD | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400389 |  |  |  | 33604338 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Homeowners insurance policy has an effective date of [Redacted]and started after the loan funded on [Redacted]. |  |  |  | Reviewer Comment (2025-06-13): Updated per HOI, exception cleared.<br>Seller Comment (2025-06-13): [Redacted] MM: The loan disbursed on [Redacted] and the policy is in effect on [Redacted]. The policy was in effect at the time of disbursement.<br>Reviewer Comment (2025-06-11): [Redacted] was not in effect at time of disbursement. Exception remains.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Homeowners Insurance must be in effect as of the date of disbursement date. The loan did disburse on[Redacted] when the HOI Policy started. Please see CD that confirm loan disbursed [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400493 |  |  |  | 33579730 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Homeowners insurance policy has an effective date of [Redacted] and started after the loan funded on [Redacted]. |  |  |  | Reviewer Comment (2025-06-06): HOI provided with updated coverage date, exception cleared.<br>Seller Comment (2025-06-06): [Redacted]- [Redacted]: Please see the attached policy reflecting an effective date of [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400116 |  |  |  | 33086447 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Homeowners insurance policy has an effective date of [Redacted] and started after the loan funded on [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): HOI policy with effective date [Redacted] provided, exception cleared<br>Seller Comment (2025-03-27): [Redacted]: Please see attached document. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400187 |  |  |  | 33275697 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Homeowners insurance policy has an effective date of [Redacted] and started after the loan funded on [Redacted]. |  |  |  | Reviewer Comment (2025-05-12): Exception cleared.<br>Seller Comment (2025-05-09): please see attached letter from insurance , no claims have been filed - unable to adjust effective date of insurance | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400408 |  |  |  | 33534431 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. |  | Flood Insurance Policy Effective Date [Redacted], Note Date [Redacted] |  |  |  | Reviewer Comment (2025-06-03): Updated flood insurance effective dates, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] AMB: Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400634 |  |  |  | 33790621 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Loan funded [Redacted], prior to insurance effective date [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-21): Borrower has been employed in the same industry for more than [Redacted] years.<br> Borrower has verified disposable income of at least $[Redacted].<br> Borrower has worked in the same position for more than [Redacted] years.<br> Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br> [Redacted] has elected to downgrade and waive.<br>Reviewer Comment (2025-07-08): [Redacted] to review<br>Seller Comment (2025-07-01): [Redacted] - [Redacted]: [Redacted] recognizes that the borrower's [Redacted] took effect after the note date of [Redacted]. However, we believe the loan still meets investment quality, as the policy took affect one day after the note date. Additionally, there are no current claims and no evidence of the property being damaged by a recent flood. The borrower's Flood Insurance Policy contains also $[Redacted]in total coverage which is the maximum amount allowed under the [Redacted]. |  |  | X | 2 C B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400491 |  |  |  | 33606454 |  | Credit | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Status of property as second home is in question due to distance from primary residence. |  | The "Second Home" is [Redacted]miles away from primary residence. |  |  |  | Reviewer Comment (2025-06-11): Status as [Redacted]nd home confirmed, borrowers live "in town" with family rent free and subject is [Redacted] cabin.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Please note that [Redacted] believes the purchase of a secondary residence is supported for the subject property. The borrower's current primary that they are[Redacted] in is located in an [Redacted] and [Redacted]. The subject property based on the appraisal is on a [Redacted]. It's wouldn't be uncommon for a borrower [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400402 |  |  |  | 33604212 |  | Credit | TRID | Document Error | TRID | Simultaneous Financing reflected on the CD, however supporting documentation was not found in file. |  |  |  |  |  | Reviewer Comment (2025-06-11): Policy discount, no other financing.<br>Seller Comment (2025-06-10): [Redacted]: The only Simultaneous Financing reflected on the CD is the Simultaneous Policy Discount, meaning that the borrower has more than one UMW loan and therefore we apply a credit to the Title Policy. The borrower went through First America Title for both loans. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400004 |  |  |  | 31288663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although [Redacted] extension is filed, the loan is being qualified on income that is not considered most recent. The income is considered from tax return [Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400241 |  |  |  | 33446267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400244 |  |  |  | 33447062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400244 |  |  |  | 33447063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400249 |  |  |  | 33448662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400333 |  |  |  | 33504001 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date[Redacted], Tax Return Due Date [Redacted] | Exception is an ATR informative EV[Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511723 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The [Redacted]or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400438 |  |  |  | 33626753 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573471 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573472 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400456 |  |  |  | 33553420 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400547 |  |  |  | 33534451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400554 |  |  |  | 33534928 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400554 |  |  |  | 33534929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400563 |  |  |  | 33547816 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400563 |  |  |  | 33547817 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635887 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635888 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635889 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635890 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The [Redacted]or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635891 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33635893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400668 |  |  |  | 33787360 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Provided tax returns is only for [Redacted] and not most recent. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400679 |  |  |  | 33789540 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33781761 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Waterfall due to Income documents requirement not met. Provided [Redacted] for [Redacted] was not signed and dated. Required most recent [Redacted] for [Redacted] with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted], [Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted] for [Redacted] was not provided for [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-08-26): n/a<br>Reviewer Comment (2025-07-02): Exception is an ATR informative[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared.<br>Seller Comment (2025-06-30): [Redacted] - [Redacted]: 1.) The borrower's [Redacted] [Redacted] are not required to be signed per[Redacted][Redacted], Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form [Redacted] [Redacted] to Form [Redacted] being signed and dated prior to closing. [Redacted].) The borrower's [Redacted] [Redacted] are not required per[Redacted][Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns ([Redacted]) due to the borrower provided form [Redacted] confirming they've filed an extension, and the loan disbursing prior to [Redacted]. [Redacted].) A Verification of Business and complete business tax returns for [Redacted] is not required per [Redacted] [Redacted], Verbal Verification of Employment ([Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted] was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 B A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33781762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Waterfall due to Income documents requirement not met. Provided [Redacted] for [Redacted] was not signed and dated. Required most recent [Redacted] for [Redacted]with dated and signed. Borrower is [Redacted] from [Redacted]; however, [Redacted]-S, K-[Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted] for [Redacted] was not provided for[Redacted] [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared.<br>Seller Comment (2025-06-30): [Redacted] - [Redacted]) The borrower's [Redacted][Redacted]are not required to be signed per [Redacted] [Redacted], Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form [Redacted] [Redacted] to Form[Redacted]being signed and dated prior to closing. [Redacted] The borrower's [Redacted][Redacted] are not required per [Redacted][Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns ([Redacted]) due to the borrower provided form [Redacted]confirming they've filed an extension, and the loan disbursing prior to[Redacted][Redacted] A Verification of Business and complete business tax returns for[Redacted] is not required per [Redacted] [Redacted] Verbal Verification of Employment [Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of [Redacted] was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33829229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative [Redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400939 |  |  |  | 34007405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2025-07-17): [Redacted]tax extension was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-07-15): Please see the attached [Redacted]4 personal tax extension. The extension is applicable to business taxes and guidelines for business returns follow those for personal returns. | X |  |  | 1 B A |  | X | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400948 |  |  |  | 34007453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | [Redacted] was present in the file. Evidence of tax return extension for [Redacted] was not provided. |  |  |  | Buyer Comment (2025-07-10): Seller acknowledges the exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007504 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007505 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007506 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent [Redacted] End Date [Redacted], [Redacted]Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges exception, no change to grading. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511732 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV[Redacted] (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400197 |  |  |  | 33279593 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | The Security Instrument is not signed, dated or notarized. |  |  |  | Reviewer Comment (2025-04-21): Signed security instrument provided; exception cleared.<br>Seller Comment (2025-04-17): sec ins | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400255 |  |  |  | 33439620 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Security Instrument is not executed. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-20): signed sec ins | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400035 |  |  |  | 33173415 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling was not provided. |  |  |  | Reviewer Comment (2025-04-21): List provided.<br>Seller Comment (2025-04-20): List of Homeownership Counseling Organizations to borrower.<br>Seller Comment (2025-04-20): LOE | X |  |  | 1 B A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400063 |  |  |  | 32976472 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule [Redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984426 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule [Redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32976768 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule [Redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400571 |  |  |  | 33581463 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400063 |  |  |  | 32976471 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984469 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32976767 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400263 |  |  |  | 33448252 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400364 |  |  |  | 33582745 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400011 |  |  |  | 32088857 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided does not lists Taxes and Insurance as being escrowed. Taxes and insurance were not provided to verify the amount sufficient for both expenses. |  |  |  | Reviewer Comment (2024-12-06): Taxes and insurance provided, exception cleared.<br>Seller Comment (2024-12-06): [Redacted]: Please see attached expenses | X |  |  | 1 C A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32091960 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted] residence mortgage statement indicates only taxes are escrowed. Address includes an apartment number and appears to be a condo or co-op, [Redacted] or maintenance fee expenses and hazard insurance if required. |  |  |  | Reviewer Comment (2024-12-30): Received REO documents.<br>Seller Comment (2024-12-27): [Redacted] [Redacted]- See attached HOI<br>Reviewer Comment (2024-12-27): Received evidence of HOA. Still missing proof of insurance.<br>Reviewer Comment (2024-12-27): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification<br>Seller Comment (2024-12-24): [Redacted] - See attached HOA Dues<br>Reviewer Comment (2024-12-19): Check receipt is not sufficient enough. Please provide printout from [Redacted]or other form of evidence that includes the borrower's [Redacted], address and amount of obligated dues. Exception remains.<br>Seller Comment (2024-12-17): [Redacted] [Redacted] - See attached check receipt for HOA Dues. [Redacted] is [Redacted] [Redacted] Unit Onwer's Association, Unit number is listed on the check receipt, COA can be found at [Redacted], sharing address with borrower's unit. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32675144 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "[Redacted]" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-01-24): Received REO documents.<br>Seller Comment (2025-01-23): Mortgage Statement and Tax Bill provided. Mortgage Statement shows total payment as $[Redacted]. Escrow included in payment = $[Redacted]. Tax bill shows tax payment of $[Redacted]. $[Redacted] = $[Redacted]for taxes. Remaining is insurance | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32675151 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "[Redacted]" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-01-24): Received REO documents.<br>Seller Comment (2025-01-23): Mortgage Statement and Taxes uploaded for [Redacted]. The total payment on statement shows $[Redacted]. Escrow portion for taxes and insurance = $[Redacted]. The tax bill shows taxes totaling $[Redacted]a year. $[Redacted]/[Redacted]= $[Redacted]for tax portion of escrow showing on statement. Remaining is insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325339 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not disclose itemized escrows, missing tax and insurance to verify they are included. |  |  |  | Reviewer Comment (2025-05-08): Tax certificate has been attached. Exception cleared.<br>Seller Comment (2025-05-08): please see last tax reciept pulled from county<br>Reviewer Comment (2025-05-07): Hazard insurance policy has been received & attached however tax certificate is still missing for [Redacted]Exception remains.<br>Seller Comment (2025-05-07): HOI policy [Redacted]<br>Seller Comment (2025-05-07): bwr confirmed property escrows HOI and taxes provided HOI policy | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400030 |  |  |  | 33010304 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted] for [Redacted] |  |  |  | Reviewer Comment (2025-03-13): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400036 |  |  |  | 33020610 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted], [Redacted], [Redacted] are missing for this recent purchase in file for [Redacted] |  |  |  | Reviewer Comment (2025-03-17): [Redacted] property removed from REO section as per confirmation received. Exception cleared.<br>Seller Comment (2025-03-14): Denial for Loan to purchase [Redacted]<br>Seller Comment (2025-03-14): [Redacted]<br>Seller Comment (2025-03-14): Please see explanation of what happened and [Redacted] response on what is needed. I've also provided the revised [Redacted]and a snip of the Denial letter that we mailed to the borrower concerning this property. We cannot remit the full letter due to consumer privacy laws. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400055 |  |  |  | 32941773 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is missing for[Redacted] |  |  |  | Reviewer Comment (2025-03-04): Received HOA<br>Seller Comment (2025-03-03): HOA docs shows fee is $[Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 33227888 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "escrows" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-04-24): Hazard insurance has been provided & attached. Exception cleared.<br>Seller Comment (2025-04-23): hoi proof<br>Seller Comment (2025-04-23): bwr confirming taxes and hoi in cluded in escrow for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32977597 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted] mortgage statement is missing in file. |  |  |  | Reviewer Comment (2025-03-18): Received REO documents.<br>Seller Comment (2025-03-17): The Figure [Redacted] statement is attached and shows the LOC amount of $[Redacted]<br>The mortgage with [Redacted] has a balance of $[Redacted]. [Redacted] is the first lien mortgage and Figure is the HELOC.<br>Seller Comment (2025-03-17): The Figure [Redacted] statement is attached and shows the LOC amount of $[Redacted]<br>The mortgage with [Redacted] has a balance of $[Redacted]. [Redacted] is the first lien mortgage and Figure is the [Redacted].<br>Reviewer Comment (2025-03-11): Need statement for new [Redacted] with balance of $[Redacted] as reflected on the [Redacted].<br>Seller Comment (2025-03-10): statement | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400066 |  |  |  | 33079714 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification missing in file. |  |  |  | Reviewer Comment (2025-03-20): Tax verification for [Redacted] has been received & captured. Exception cleared.<br>Seller Comment (2025-03-20): Tax Bill for [Redacted][Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400095 |  |  |  | 33092898 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is not provided for the property #[Redacted] |  |  |  | Reviewer Comment (2025-04-01): refinance CD provided<br>Seller Comment (2025-03-27): [Redacted]: See attached CD from this transaction | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400124 |  |  |  | 33078708 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance document is missing for [Redacted] properties and missing tax verification for [Redacted] property. |  |  |  | Reviewer Comment (2025-04-02): tax cert provided. Land only for the other [Redacted].<br>Seller Comment (2025-03-31): [Redacted]: See attached tax bill. [Redacted]and [Redacted]are vacant land and do not have insurance policies. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400160 |  |  |  | 33142215 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement not provided, unable to verify if expenses are escrowed. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Appraisal and CD to support HOA $[Redacted]<br>Seller Comment (2025-04-08): The CD provided shows that there is no HOI payment on the property, and also documents the annual HOA payment<br> $[Redacted] [Redacted] /month) in the Non-Escrowed Property Costs over [Redacted] Year secon on page [Redacted].<br>Reviewer Comment (2025-04-04): Please provide insurance verification and HOA verification.<br>Seller Comment (2025-04-02): Please see pay history and CD for REO property | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400161 |  |  |  | 33140377 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted]statement provided lists escrows as "Escrows" with no further clarification of which expense or expenses are escrowed. Taxes were derived from the [Redacted]Report and insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): [Redacted]. Please see the attached [Redacted] which indicates that that escrow includes both [Redacted] and [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400169 |  |  |  | 33196812 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The property closed simultaneously with the subject. The Closing Disclosure for this property is missing. |  |  |  | Reviewer Comment (2025-04-09): Closing disclosure provided; exception cleared.<br>Seller Comment (2025-04-08): Hello. Please see the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400169 |  |  |  | 33196831 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The property closed simultaneously with the subject. The Closing Disclosure for this property is missing. |  |  |  | Reviewer Comment (2025-04-09): Closing disclosure provided; exception cleared.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400169 |  |  |  | 33196838 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The property closed simultaneously with the subject. The Closing Disclosure for this property is missing. |  |  |  | Reviewer Comment (2025-04-09): Closing disclosure provided; exception cleared.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33196706 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided |  |  |  | Reviewer Comment (2025-04-09): Received [Redacted] documents.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33196707 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of all expenses not provided. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33196709 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33196837 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33200029 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Hello. Please see the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33200030 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided |  |  |  | Reviewer Comment (2025-04-09): Received [Redacted] documents.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400172 |  |  |  | 33197553 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided. |  |  |  | Reviewer Comment (2025-04-09): Received [Redacted] documents.<br>Seller Comment (2025-04-08): Please see the attached Final CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400172 |  |  |  | 33197561 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Please see the attached Final CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400172 |  |  |  | 33197567 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase, Closing Disclosure or other verification of expenses not provided. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): Hello. Please find the attached Final CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400177 |  |  |  | 33202516 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-04-16): REO docs provided.<br>Seller Comment (2025-04-14): Tax bill attached for escrow verification. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400201 |  |  |  | 33279179 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification missing in file. |  |  |  | Reviewer Comment (2025-04-24): Mortgage statement provided; exception cleared.<br>Seller Comment (2025-04-22): [Redacted] PITI | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400202 |  |  |  | 33277770 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final [Redacted] reflects $[Redacted]assessment fee on primary residence listed as condo on fraud report. |  |  |  | Reviewer Comment (2025-04-21): REO documentation provided; exception cleared.<br>Seller Comment (2025-04-17): HOA [Redacted] from treasurer | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400210 |  |  |  | 33277187 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement reflects Escrow, although there is no verification of Tax and Insurance. |  |  |  | Reviewer Comment (2025-04-30): HOI provided, exception cleared.<br>Seller Comment (2025-04-30): HOI<br>Reviewer Comment (2025-04-28): EXCEPTION HISTORY - Exception Explanation was updated on[Redacted]PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Reviewer Comment (2025-04-28): Please provide verification of HOI.<br>Seller Comment (2025-04-24): taxes<br>Reviewer Comment (2025-04-23): Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses.<br>Seller Comment (2025-04-22): mortgage stamement | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400212 |  |  |  | 33290109 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33293679 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400217 |  |  |  | 33277326 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Need statement verifying PITI payment on [Redacted], |  |  |  | Reviewer Comment (2025-03-17): Noted. HOI Policy for the property "[Redacted]" received and amount updated as per sourced document. Exception Cleared.<br>Buyer Comment (2025-03-15): [Redacted] insurance<br>Reviewer Comment (2025-03-12): Received Property history report with tax verification and Free and clear evidence still missing insurance Verification. Exception Remains<br>Buyer Comment (2025-03-12): property history report | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400217 |  |  |  | 33277327 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Need statement verifying PITI payment amount |  |  |  | Reviewer Comment (2025-03-12): Received Mortgage statement confirm payment is escrowed. Exception cleared<br>Buyer Comment (2025-03-12): mortgage statement | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400217 |  |  |  | 33277328 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Need statement verifying PITI payment amount. |  |  |  | Reviewer Comment (2025-03-17): Noted. HOA statement received for property "[Redacted]" and updated amount as per the sourced document. Exception cleared.<br>Buyer Comment (2025-03-15): [Redacted] other payment and No HOA<br>Reviewer Comment (2025-03-12): Mortgage statement received HOA Verification or Other payment Verification of $[Redacted] is still missing. Exception remains<br>Buyer Comment (2025-03-12): see mortgage statement | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360021 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the Final CD from the refinance of this property to verify the PITI payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360022 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the Final CD from the refinance of this property to verify the PITI payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360023 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the Final CD from the refinance of this property to verify the PITI payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360024 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the [Redacted] from the refinance of this property to verify the [Redacted]payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360025 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the Final CD from the refinance of this property to verify the PITI payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400231 |  |  |  | 33360026 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received the Final CD from the refinance of this property to verify the PITI payment.<br>Buyer Comment (2025-03-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360027 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): [Redacted] Final [Redacted] [Redacted] evidencing [Redacted] in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360028 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360029 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of [Redacted],[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360030 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360031 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400232 |  |  |  | 33360032 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see the attached closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360034 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): [Redacted] for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360035 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received CD for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360036 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received CD for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360037 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received [Redacted] for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360038 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received CD for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360039 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received CD for the indicated property. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached [Redacted]for this property | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360041 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360042 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing [Redacted] in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360043 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360044 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached [Redacted] for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360045 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360046 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted]. |  |  |  | Reviewer Comment (2025-03-26): Received Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage. Exception cleared.<br>Buyer Comment (2025-03-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400241 |  |  |  | 33447343 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The tax amount verification is missing. |  |  |  | Reviewer Comment (2025-05-21): Received REO documents.<br>Seller Comment (2025-05-20): All documents for [Redacted]<br>Reviewer Comment (2025-05-20): Tax certificate provided is for multiple parcels and doesn't spell out which portion pertains specifically to [Redacted] . Please provide evidence of taxes for only the property in question.<br>Seller Comment (2025-05-19): Tax Cert for [Redacted]<br>Seller Comment (2025-05-19): [Redacted] PITI | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400245 |  |  |  | 33439890 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification for REO is missing. |  |  |  | Reviewer Comment (2025-05-27): HOI provided, exception cleared.<br>Seller Comment (2025-05-23): [Redacted] [Redacted]<br>Seller Comment (2025-05-23): HOI [Redacted]<br>Reviewer Comment (2025-05-19): Taxes were provided of $[Redacted]annually and included $[Redacted]as improvement value. Lender wanted to assume hazard would be only $[Redacted]however based on high improvement value coupled with any undisclosed environmental factors, assuming worst case scenario hazard of $[Redacted]derived from total escrow of $[Redacted]and taxes paid outside escrow does not seem unreasonable.<br>Seller Comment (2025-05-16): although we do not have a declarations page, I have provided the tax bill for the property which equates to $[Redacted]monthly. The mortgage statement shows escrows monthly in the amount of $[Redacted]. The cert in file confirms there is no HOA on the property, therefore the monthly hazard insurance amount is [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33445969 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing evidence of expense for new $[Redacted][Redacted]nd lien on primary from [Redacted]. |  |  |  | Reviewer Comment (2025-05-27): REO docs provided, exception cleared.<br>Seller Comment (2025-05-27): Max HELOC payment included in DU Findings<br>Reviewer Comment (2025-05-23): Please provide proof of P&I payments.<br>Seller Comment (2025-05-22): New [Redacted] on Primary Residence<br>Reviewer Comment (2025-05-20): Please provide payment amount verification.<br>Seller Comment (2025-05-19): new $[Redacted]2nd lien on primary from Quorum. see DU Findings this payment is being counted | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400257 |  |  |  | 33445779 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lender included an additional $[Redacted]primary residence expense, mortgage includes taxes and insurance and there is no HOA or leasehold evident. No explanation was provided for additional expense. |  |  |  | Reviewer Comment (2025-05-23): Corrected [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-22): Corrected [Redacted] removed from Escrow Amt. Escrows included in PITI<br>Reviewer Comment (2025-05-21): Please provide corrected [Redacted] showing $[Redacted] removed.<br>Seller Comment (2025-05-21): $[Redacted] Escrow Amt was put in as error - The ratios are at the higher and still had the approve | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453242 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Lease Agreement for REO property on [Redacted] is missing. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453243 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Lease Agreement for REO property on [Redacted] is missing. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400281 |  |  |  | 33480944 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement shows un-itemized escrows collected, taxes were verified but hazard was not, assuming only hazard is escrowed and adding taxes results in DTI increase. |  |  |  | Reviewer Comment (2025-05-21): [Redacted] documentation provided, exception cleared.<br>Seller Comment (2025-05-21): All REO docs uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400306 |  |  |  | 33490368 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase missing Closing Disclosure or other verification of expenses. |  |  |  | Reviewer Comment (2025-05-21): CD provided, exception cleared.<br>Seller Comment (2025-05-21): Final CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400307 |  |  |  | 33488662 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous purchase missing Closing Disclosure or other verification of expenses. |  |  |  | Reviewer Comment (2025-05-21): CD provided, exception cleared.<br>Seller Comment (2025-05-21): Final CD for[Redacted][Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400327 |  |  |  | 33488167 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification missing in file. |  |  |  | Reviewer Comment (2025-05-27): HOA verification provided, exception cleared.<br>Seller Comment (2025-05-25): HOA fees - $[Redacted] per month | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33504337 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for expenses. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI for Primary Res | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400352 |  |  |  | 33513439 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "[Redacted]" with no further clarification of which expense or expenses are escrowed. [Redacted] were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-06-02): HOI provided, exception cleared.<br>Seller Comment (2025-05-30): Please see the HOI Dec page for [Redacted] previously uploaded to the file. Thank you for your help. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400357 |  |  |  | 33513811 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Simultaneous refinance, no Closing Disclosure or other verification of P&I was provided. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared.<br>Seller Comment (2025-05-27): Note, CD [Redacted]and HOI [Redacted] War Room | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400364 |  |  |  | 33582885 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing[Redacted] lien statement supporting $[Redacted] |  |  |  | Reviewer Comment (2025-06-30): [Redacted]<br>Seller Comment (2025-06-26): [Redacted] MM: Please see attached documents<br>Reviewer Comment (2025-06-13): Please provide LOE from borrower stating no second loan and corrected [Redacted].<br>Seller Comment (2025-06-13): [Redacted] MM: The mortgage statement shows the account number is [Redacted]. The credit report shows the account number is [Redacted]. The lien that was on the initial loan app shows the incorrect loan number of [Redacted]. The broker just put the incorrect account number but this also shows that there is only one JPM lien associated with the REO. No LOX should be required.<br>Reviewer Comment (2025-06-06): Final [Redacted] reflect additional mortgage with different account number and amount. Please provide LOE from borrower stating no second loan and corrected[Redacted]<br> .<br>Seller Comment (2025-06-06): [Redacted]: The second lien on the mortgage statement for the [Redacted]is a duplicate loan. The account numbers are the same for both liens in the file. Please see open lien report that only shows one lien. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400367 |  |  |  | 33607872 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per AUS conditions [Redacted]and [Redacted], on old loan [Redacted]on primary residence [Redacted] was being paid off and replaced with lower payment new loan [Redacted]. CD or other evidence of new loan terms was not provided. |  |  |  | Reviewer Comment (2025-06-10): Closing disclosure provided, exception cleared.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Please see attached main condition uploaded. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400377 |  |  |  | 33607454 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The tax amount verification for the Primary is missing. |  |  |  | Reviewer Comment (2025-06-10): Tax verification provided, exception cleared.<br>Seller Comment (2025-06-10): [Redacted]: Please see attached doc | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400400 |  |  |  | 33604197 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification or the additional costs is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] MM: Please see attached document that shows no HOA is associated with the property [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400402 |  |  |  | 33604180 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-06-11): Received hazard insurance.<br>Seller Comment (2025-06-10): [Redacted] AD: Please note, there is no property address in this finding. Is this related to the Mortgage Statement for the ROE located at [Redacted] [Redacted] Drive? If so, then that Mortgage Belongs to [Redacted], evidenced by the mortgage statement. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400402 |  |  |  | 33604213 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require Insurance Verification for the property located at: [Redacted] |  |  |  | Reviewer Comment (2025-06-11): Received hazard insurance.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Please see attached HOI policy.<br>Seller Comment (2025-06-10): [Redacted] AD: The Escrow amount is $[Redacted] and the taxes are $[Redacted]. Therefore, we can conclude that the Insurance is apart of the escrow. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400411 |  |  |  | 33606001 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Mortgage Statement & Tax Verification Documents missing for REO. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] MM: Please see attached documents.<br>Seller Comment (2025-06-10): [Redacted] Please see attached documents.<br>Seller Comment (2025-06-10): [Redacted]: Please see attached documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400415 |  |  |  | 33625089 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Property is new construction pending completion, missing closing disclosure or other evidence of new payment. |  |  |  | Reviewer Comment (2025-06-13): Closing disclosure provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: attached | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400423 |  |  |  | 33619536 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-06-25): [Redacted]provided.<br>Seller Comment (2025-06-23): [Redacted] [Redacted]: please see attached<br>Reviewer Comment (2025-06-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Reviewer Comment (2025-06-12): Please provide verification that insurance doesn't exceed remaining amount.<br>Seller Comment (2025-06-12): [Redacted] [Redacted] providing documentation showing the taxes for this REO and they are less than what is showing in the Escrow (taxes and/or Insurance) amount, meaning that the additional amount has to be the HOI being escrowed into the mortgage payment | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400435 |  |  |  | 33536687 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrows collected. Assuming that verified taxes are not escrowed and mortgage payment includes unverified hazard only results in DTI exception. |  |  |  | Reviewer Comment (2025-06-27): Received REO documents.<br>Seller Comment (2025-06-25): [Redacted]: See attached.<br>Reviewer Comment (2025-06-17): Please provide insurance expense verification.<br>Seller Comment (2025-06-16): [Redacted]: Please see the attached confirmation that the insurance for this property is escrowed into the mortgage statement with the taxes.<br>Reviewer Comment (2025-06-04): Please provide insurance expense verification.<br>Seller Comment (2025-06-04): [Redacted]AMB: Mortgage statement states "taxes and/or insurance" are escrowed. We verified that the monthly amount of escrows is more than the monthly tax amount, meaning that it would be "taxes and insurance" and not "taxes or insurance". The actual insurance documentation would not be required since the amount of taxes was confirmed.<br>Reviewer Comment (2025-06-02): Mortgage statement does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. Please provide insurance verification to confirm expense.<br>Seller Comment (2025-06-02): [Redacted] [Redacted] : Please note that the mortgage statement shows escrow includes "taxes and/or insurance" in the amount of $[Redacted] a month. Please note that we also documented the property taxes for the property at [Redacted]. The tax bill shows the annual property tax amount of $[Redacted], which breaks down to $[Redacted] a month. Since the monthly amount of taxes on the tax bill is less than the amount of escrows reflected on the mortgage statement, it can be assumed that both taxes and insurance are escrowed. The escrow amount collected for the mortgage statement is enough to incorporate more than just monthly cost of the property taxes.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that the mortgage statement shows escrow includes "taxes and/or insurance" in the amount of $[Redacted] a month. Please note that we also documented the property taxes for the property at [Redacted]. The tax bill shows the annual property tax amount of $[Redacted], which breaks down to $[Redacted] a month. Since the monthly amount of taxes on the tax bill is less than the amount of escrows reflected on the mortgage statement, it can be assumed that both taxes and insurance are escrowed. The escrow amount collected for the mortgage statement is enough to incorporate more than just monthly cost of the property taxes. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400437 |  |  |  | 33541621 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification and HOA Verification is missing in file. |  |  |  | Reviewer Comment (2025-06-03): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please see the attached master insurance policy covering walls in, and the letter from the [Redacted] showing that HOA dues increased to $[Redacted]/month for [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400437 |  |  |  | 33541627 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is missing in file. |  |  |  | Reviewer Comment (2025-06-03): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]: Please note that third party public records indicate that the property at [Redacted] is a commercial building that is not a part of a subdivision, as the legal description confirms "Equipment and Supplies". Due to this, there is no HOA associated with the property, and therefore, no HOA dues. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534413 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrowed expenses, missing hazard insurance expense verification. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted] AD: Please see attached.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted]: Please note that verification of the total escrow has been provided. The escrow amount is $[Redacted]and the tax bill provided for this property shows the amount of monthly taxes is lower than $[Redacted], therefore we can make the determination that the escrow account includes insurance.<br>Reviewer Comment (2025-06-02): Mortgage statement does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. Please provide insurance verification to verify expense.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please see attached response. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534416 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrowed expenses, missing hazard insurance expense verification. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): 0[Redacted]: Please see attached.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] AD: Please note that verification of the total escrow has been provided. The escrow amount is $[Redacted]and the tax bill provided for this property shows the amount of monthly taxes is lower than $[Redacted], therefore we can make the determination that the escrow account includes insurance.<br>Reviewer Comment (2025-06-02): Mortgage statement does not itemize escrow, verified tax amount of $[Redacted]and assumed escrow amount as total insurance bill resulting in DTI increase. Please provide insurance verification to verify expense.<br>Seller Comment (2025-06-02): [Redacted]: Please see attached response. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534419 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrowed expenses, missing hazard insurance expense verification. |  |  |  | Reviewer Comment (2025-06-17): Insurance verification provided, exception cleared.<br>Seller Comment (2025-06-16): [Redacted] [Redacted]: Please see attached.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted]AD: Please see attached response. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534421 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrowed expenses, missing hazard insurance expense verification. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted] [Redacted]: Please see main condition uploaded.<br>Seller Comment (2025-06-16): [Redacted] [Redacted]: Please see attached.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400447 |  |  |  | 33550082 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Escrow" with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached invoice from [Redacted] showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted]included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted] monthly.<br>Seller Comment (2025-06-05): [Redacted]NR: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted]per month and there is still $[Redacted] leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] Please note that the tax bill confirms the annual amount of [Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted]can therefore make the determination that the escrow account also includes insurance for the property at [Redacted].<br>Seller Comment (2025-06-03): [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573423 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification missing in file. |  |  |  | Reviewer Comment (2025-06-05): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted]: Insurance on this [Redacted]was escrowed and does not need to be individually documented as it is already included in the [Redacted]. Monthly escrow carges are $[Redacted]a month and the borrower's monthly taxes are only $[Redacted]. This is sufficient to show that insurance must also be escrowed. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400459 |  |  |  | 33593845 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrows. Insurance expense was not provided, assuming worst case scenario only insurance is escrowed and verified tax paid outside escrow results in DTI issue. |  |  |  | Reviewer Comment (2025-06-10): HOI provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted]: Please see the attached documentation for [Redacted]. The monthly insurance payment of $[Redacted]plus the monthly tax amount of $[Redacted] equals the escrowed amount of $[Redacted] documented for the property. The escrow includes both taxes and insurance, and the [Redacted] is eligible as is.<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see the attached documentation for [Redacted]. The monthly insurance payment of $[Redacted]plus the monthly tax amount of $[Redacted]equals the escrowed amount of $[Redacted]documented for the property. The escrow includes both taxes and insurance, and the DTI is eligible as is.<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see the attached documentation for [Redacted]. The monthly insurance payment of $[Redacted] plus the monthly tax amount of $[Redacted] equals the escrowed amount of $[Redacted] documented for the property. The escrow includes both taxes and insurance, and the DTI is eligible as is. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400461 |  |  |  | 33627816 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement does not itemize escrows, insurance expense was not provided to verify the escrowed amount was sufficient for both tax and insurance. |  |  |  | Reviewer Comment (2025-06-27): Received REO documents.<br>Seller Comment (2025-06-25): [Redacted]<br> tm: Please proceed under the assumption that ONLY the HOI for the REO is escrowed ($[Redacted]is more than sufficient to cover a monthly HOI expense). The taxes have been added to the DTI calculation and an updated AUS [Redacted]<br> has been provided.<br>Seller Comment (2025-06-25): [Redacted]: Please proceed under the assumption that [Redacted]the HOI for the REO is escrowed ($[Redacted]is more than sufficient to cover a monthly HOI expense). The taxes have been added to the [Redacted]calculation and an updated AUS run / [Redacted]has been provided.<br>Seller Comment (2025-06-25): [Redacted]: Please proceed under the assumption that ONLY the HOI for the REO is escrowed ($[Redacted]is more than sufficient to cover a monthly HOI expense). The taxes have been added to the DTI calculation and an updated AUS run / [Redacted]has been provided.<br>Reviewer Comment (2025-06-19): Please provide verification of insurance expense.<br>Seller Comment (2025-06-18): [Redacted] [Redacted]: Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted] confirming a sufficient monthly escrow payment to include both taxes and insurance | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400466 |  |  |  | 33539667 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification is missing for [Redacted] property. |  |  |  | Reviewer Comment (2025-06-02): Considering escrows as insurance only.<br>Seller Comment (2025-06-02): [Redacted]: Please note that escrow transaction history has been provided. The escrow amount is $[Redacted]and the tax bill provided for this property shows the amount of monthly taxes is lower than $[Redacted], therefore we can make the determination that the escrow account includes insurance. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400468 |  |  |  | 33592056 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing statement including itemized escrows and tax and insurance expenses if not escrowed. |  |  |  | Reviewer Comment (2025-06-09): Mortgage statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted] MM: Please see attached mtg statement that shows taxes and insurance are escrowed. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400473 |  |  |  | 33624781 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows with no further clarification of which expense or expenses are escrowed. The Tax was not provided to verify the escrowed amount was sufficient for expenses. |  |  |  | Reviewer Comment (2025-06-13): Tax provided.<br>Seller Comment (2025-06-12): [Redacted]: tax docs attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400482 |  |  |  | 33581092 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard does not appear escrowed and may result in further DTI increase. |  |  |  | Reviewer Comment (2025-06-11): Received evidence of [Redacted].<br>Seller Comment (2025-06-10): [Redacted]<br> CW: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted] Neighborhood Association. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted] [Redacted]: Insurance is escrowed and does not need to be individually documented. This expense is included with the mortgage payment. See mortgage statement lists an "Insurance Disbursed" [Redacted] amount. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33627654 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Insurance ase not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-06-18): Received REO documents.<br>Seller Comment (2025-06-18): [Redacted]<br> tm: Please disregard previous comment. Documentation was provided confirming the monthly taxes for the REO are[Redacted]<br> The escrow payment is $[Redacted]<br> confirming a sufficient monthly escrow payment to include both taxes and insurance.<br>Seller Comment (2025-06-18): Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted] confirming a sufficient monthly escrow payment to include both taxes and insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400517 |  |  |  | 33612881 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Closing Disclosure or HELOC agreement for new simultaneous HELOC on primary residence. Approval and incomplete Closing Disclosure provided were not sufficient to verify expense or assets. |  |  |  | Reviewer Comment (2025-06-12): HELOC agreement provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: See attached approval and heloc agreement | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400520 |  |  |  | 33607263 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing in the file. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted]. The tax bill that was also provided for this property confirms an annual amount of $[Redacted]or monthly $[Redacted]. [Redacted]can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400555 |  |  |  | 33548733 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final [Redacted] Loan Application, borrower is refinancing this property with same lender as subject property, Closing Disclosure or other evidence of new payment not provided. |  |  |  | Reviewer Comment (2025-06-03): Closing statement provided, exception cleared.<br>Seller Comment (2025-06-03): [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400559 |  |  |  | 33533568 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing statement, unable to verify if itemized escrows are included. Missing insurance verification if not escrowed. |  |  |  | Reviewer Comment (2025-06-02): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]AMB: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached HOA, HOI, and property taxes documentation for the REO property at [Redacted]<br>Seller Comment (2025-06-02): [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached [Redacted], HOI, and property taxes documentation for the REO property at [Redacted].<br>Seller Comment (2025-06-02): [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached HOA, HOI, and property taxes documentation for the REO property at [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400562 |  |  |  | 33543845 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage not reported on credit, AUS condition [Redacted] required [Redacted] months mortgage history paid as agreed. Only [Redacted] statement was provided. |  |  |  | Reviewer Comment (2025-06-19): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-18): [Redacted]: Attached.<br>Reviewer Comment (2025-06-06): Please provide VOM for property or updated AUS without condition 11.<br>Seller Comment (2025-06-06): [Redacted] is a Commercial Equity Loan that was taken out in the name of the borrower's business, which is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the Wells Fargo Business Banking division, and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a commercial building.[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400579 |  |  |  | 33627787 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement for [Redacted] with mortgage payment of $[Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted] tm: please see attached final CDs for all [Redacted] REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33628403 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted] tm: please see attached final CDs for all [Redacted]REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400596 |  |  |  | 33730393 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Escrows" with no further clarification of which expense or expenses are escrowed. Taxes derived from the Fraud Report and insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-07-07): Received REO documents.<br>Seller Comment (2025-07-03): Please see the attached HOI for [Redacted]. Thank you. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | GCATINV400597 |  |  |  | 33676566 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | $[Redacted]used for monthly rental income but for a refinance transaction, the income from the comparable rent schedule/operating income statement would need to be supported by a lease and need evidence of when they purchased the property. |  |  |  | Reviewer Comment (2025-07-01): Received updated AUS reflecting [Redacted]% DTI. Lease not required.<br>Seller Comment (2025-06-27): Hello. Please see the attached AUS reflecting DTI [Redacted]Thank you.<br>Reviewer Comment (2025-06-26): Please provide updated AUS reflecting DTI of [Redacted]%.<br>Seller Comment (2025-06-24): Please review previously uploaded updated findings, using income from job and offsetting reo with [Redacted] for vacating property from seller. Please advise how we can proceed. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCATINV400613 |  |  |  | 33786698 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted] |  |  |  | Reviewer Comment (2025-07-01): Received REO documents.<br>Seller Comment (2025-06-30): REO Docs | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400616 |  |  |  | 33786482 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification missing in file. |  |  |  | Reviewer Comment (2025-07-02): Received verification of HOA<br>Seller Comment (2025-07-02): Please provide status update for this suspense condition.<br>Seller Comment (2025-06-30): see attached docs for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400617 |  |  |  | 33786429 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require statement for the property located at: [Redacted] from [Redacted] Bank #[Redacted] of $[Redacted]to verify the payment of $[Redacted] . |  |  |  | Reviewer Comment (2025-07-11): Received statement.<br>Seller Comment (2025-07-09): attached<br>Reviewer Comment (2025-07-01): Received statement for first mortgage. Need statement for [Redacted] of $[Redacted]to verify the payment of $[Redacted].<br>Seller Comment (2025-06-30): attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400624 |  |  |  | 33787787 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing evidence of HOA fee disclosed as $[Redacted]. |  |  |  | Reviewer Comment (2025-07-01): Received evidence of[Redacted]<br>Seller Comment (2025-06-30): attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400627 |  |  |  | 33792813 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Escrows" with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-07-02): [Redacted]documents received.<br>Seller Comment (2025-07-01): Please review letter of explanation uploaded. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400629 |  |  |  | 33737783 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows with no further clarification of which expense or expenses are escrowed. Tax and insurance were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-07-02): Received taxes, exception cleared.<br>Seller Comment (2025-07-02): [Redacted]: Please see provided open lien report that shows the tax amount. Since the tax amount is less than the escrow amount we can assume that both taxes and HOI are escrowed.<br>Seller Comment (2025-06-26): [Redacted]: Please see provided open lien report that shows the tax amount. Since the tax amount is less than the escrow amount we can assume that both taxes and HOI are escrowed. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400655 |  |  |  | 33763673 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Taxes were not provided to verify the escrowed amount was sufficient for both expenses. |  |  |  | Reviewer Comment (2025-07-02): Received taxes, exception cleared.<br>Seller Comment (2025-06-26): [Redacted]: Please see the attached tax bill. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400688 |  |  |  | 33782158 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Tax Verification document was not provided to verify the escrowed amount was sufficient for expenses. |  |  |  | Reviewer Comment (2025-07-08): Received tax bill, exception cleared.<br>Reviewer Comment (2025-07-07): Tax verification provided is not dated, need to document the taxes were verified by the lender prior to consummation.<br>Seller Comment (2025-07-03): [Redacted]: please see attached<br>Reviewer Comment (2025-07-02): Tax verification provided is dated post closing, need to document the taxes were verified by the lender prior to consummation.<br>Seller Comment (2025-06-30): [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400695 |  |  |  | 33782932 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement for property at [Redacted]. |  |  |  | Reviewer Comment (2025-07-03): Payment provided<br>Seller Comment (2025-07-01): [Redacted]: attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400719 |  |  |  | 33786358 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement provided for primary residence shows P&I payment. Tax and insurance documents were not provided to verify payments. |  |  |  | Reviewer Comment (2025-07-03): PITIA for the primary confirmation was provided<br>Seller Comment (2025-07-01): 7/1 tm: the attached documentation shows both taxes and insurance are paid from the escrow balance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400728 |  |  |  | 33791370 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA dues documentation for this property. It is noted a printout was provided that reflects $[Redacted]per month as the HOA monthly fee; however, it is not for this property. A search performed by Diligence appears to indicate HOA Dues may be $[Redacted]a month. Please provide the correct HOA monthly coverage documentation for this specific property. |  |  |  | Reviewer Comment (2025-06-11): Received evidence of HOA Dues and updated AUS and [Redacted] with corrected HOA Dues. Exception cleared.<br>Buyer Comment (2025-06-11): Please see the attached AUS findings. Please note, the [Redacted]provided on [Redacted] reflects mortgage insurance, taxes, association dues of $[Redacted]inclusive of the correct HOA dues vs the prior [Redacted]which disclosed $[Redacted].<br>Reviewer Comment (2025-06-10): Received documentation verifying HOA at $[Redacted]a month. With this amount, DTI is [Redacted]% which exceeds the [Redacted]AUS tolerance. Primary housing payment is PITI $[Redacted]+ $[Redacted]HOA = $[Redacted]. Please provide revised AUS with the increased amount. The AUS, [Redacted]and [Redacted]provided as indicated in client's rebuttal, are the same documents that were provided within the original file. Exception remains.<br>Buyer Comment (2025-06-10): Please see the attached zillow screenshot for the correct address and revised [Redacted]/[Redacted].<br>Buyer Comment (2025-06-10): Please see the attached zillow screenshot for the correct address and revised[Redacted]<br>Buyer Comment (2025-06-10): Please see the attached [Redacted]screenshot for the correct address and revised [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400729 |  |  |  | 33791374 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Please provide evidence the mortgage payment of $[Redacted]includes taxes and insurance as indicated on the final loan application. |  |  |  | Reviewer Comment (2025-06-10): Mortgage statement received. Exception cleared.<br>Buyer Comment (2025-06-10): please see attached<br>Reviewer Comment (2025-06-10): Please provide the Mortgage Statement to verify taxes and insurance included in the P&I. Exception remains.<br>Buyer Comment (2025-06-09): The credit report confirms payment of $[Redacted] To be conservative, we added the tax/ins liability. Insurance verification can be found under pg[Redacted] and tax verification is [Redacted]. Please use this to resolve the exception | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400740 |  |  |  | 33941011 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Final Closing Disclosure from Purchase, Upon receipt of the missing Final Closing Disclosure from Purchase , additional conditions may apply. |  |  |  | Reviewer Comment (2025-06-18): Closing disclosure received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached final CD. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400759 |  |  |  | 33941087 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure from the recent transaction on this property to confirm PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-06-24): Final Closing Disclosure provided for the property to confirm [Redacted]nd associated. Exception Cleared<br>Buyer Comment (2025-06-23): The borrower has made the lender aware of their intent to retire and collect SSI effective immediately. Attached is the borrowers written notification of retirement and SSI award letter. As the SSI is the borrowers only source of income, the income is being fully grossed up. Please also see the attached revised [Redacted]and [Redacted].<br>Buyer Comment (2025-06-23): The borrower has made the lender aware of their intent to retire and collect [Redacted]effective immediately. Attached is the borrowers written notification of retirement and [Redacted]award letter. As the SSI is the borrowers only source of income, the income is being fully grossed up. Please also see the attached revised [Redacted].<br>Buyer Comment (2025-06-23): The borrower has made the lender aware of their intent to [Redacted] effective immediately. Attached is the borrowers written notification of retirement and [Redacted]. As the [Redacted]is the borrowers only source of income, the income is being fully grossed up. Please also see the attached revised [Redacted]and [Redacted].<br>Buyer Comment (2025-06-23): The borrower has made the lender aware of their intent to retire and collect SSI effective immediately. Attached is the borrowers written notification of retirement and SSI award letter. As the SSI is the borrowers only source of income, the income is being fully grossed up. Please also see the attached revised [Redacted] and [Redacted].<br>Buyer Comment (2025-06-23): Please see the attached final cd.<br>Reviewer Comment (2025-06-23): HOA Amount is verified from the provided Document. Also Please provide Final Closing disclosure to Verify PITI. Exception Remains.<br>Buyer Comment (2025-06-20): Please see attached hoa verification. The qualifying payment was determined using documentation available at the time of origination which is what the reviewer/[Redacted]should be using to determine qualifying pitia.<br>Reviewer Comment (2025-06-20): The LE provided reflects the recent transaction was a refinance. Please confirm the actual taxes, insurance, and HOA dues, and please confirm there was no other financing on the property previously. As the borrower already owned the F[Redacted] actual expenses or a Final CD for the same are needed.<br>Buyer Comment (2025-06-18): Please see the attached LE used to determine the payment associated with the non subject property. The Final [Redacted]for this property was not available during origination. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400759 |  |  |  | 33941088 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure from the recent transaction on this property to confirm PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-06-23): Provided Final Closing Disclosure and HOA Verification([Redacted] page) , [Redacted]and [Redacted]Documents. Exception Cleared.<br>Buyer Comment (2025-06-20): Please see the attached final CD and verification of HOA dues for unit [Redacted]. Also attached are the revised [Redacted] and [Redacted]correcting the expenses associated with the property. As noted on the CD, the first lien was pif with the transaction.<br>Buyer Comment (2025-06-20): Please see the attached final CD and verification of HOA dues for unit [Redacted]. Also attached are the revised[Redacted] and [Redacted]correcting the expenses associated with the property. As noted on the CD, the first lien was pif with the transaction.<br>Buyer Comment (2025-06-20): Please see the attached final CD and verification of HOA dues for unit [Redacted]. Also attached are the revised [Redacted]and [Redacted]correcting the expenses associated with the property. As noted on the CD, the first lien was pif with the transaction.<br>Reviewer Comment (2025-06-20): The LE provided reflects the recent transaction was a refinance. Please confirm the actual taxes, insurance, and HOA dues, and please confirm there was no other financing on the property previously. As the borrower already owned the [Redacted] REO, actual expenses or a Final CD for the same are needed.<br>Buyer Comment (2025-06-18): Please see the attached LE for [Redacted] [Redacted]e Final CD was not available at the time the subject loan was in process. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400766 |  |  |  | 33941093 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure or other documentation for the indicated property, evidencing the PITIA of $[Redacted] for the newly obtained mortgage with [Redacted]. |  |  |  | Reviewer Comment (2025-06-19): Received final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached final CD. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400766 |  |  |  | 33941094 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure or other documentation for the indicated property, evidencing the PITIA of $[Redacted] for the newly obtained mortgage with [Redacted]. |  |  |  | Reviewer Comment (2025-06-19): Received final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached final CD. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400768 |  |  |  | 33941095 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure or other documentation for the indicated property, evidencing the PITIA of $[Redacted]for the newly obtained mortgage with [Redacted]. |  |  |  | Reviewer Comment (2025-06-19): Received final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached CD. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400768 |  |  |  | 33941096 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure or other documentation for the indicated property, evidencing the PITIA of $[Redacted]for the newly obtained mortgage with [Redacted]. |  |  |  | Reviewer Comment (2025-06-19): Received final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400770 |  |  |  | 33941101 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the tax documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-18): Tax document received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400770 |  |  |  | 33941102 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the tax documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-18): Tax document received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400773 |  |  |  | 33941103 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the HOA dues documentation for this property, please provide for review. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] document received reflecting the HOA dues. Exception cleared.<br>Buyer Comment (2025-06-16): Please see the attached hoa verification. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400773 |  |  |  | 33941104 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the final closing disclosure from the the recent transaction on this property to verify PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-06-16): Closing disclosure received. Exception cleared.<br>Buyer Comment (2025-06-16): Please see the attached final CD. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400793 |  |  |  | 33941124 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence of HOA dues for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): As per the provided HOA Verification Document, property does not have HOA Dues. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see attached confirmation from public records that the non-subject properties do not have HOA dues. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400793 |  |  |  | 33941125 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence of HOA dues for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): As per the provided HOA Verification Document, property does not have HOA Dues. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see attached confirmation from public records that the non-subject properties do not have HOA dues. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400793 |  |  |  | 33941126 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence of HOA dues for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): As per the provided HOA Verification Document, property does not have HOA Dues. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see attached confirmation from public records that the non-subject properties do not have HOA dues. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400810 |  |  |  | 33941136 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the homeowner's insurance documentation for this property, please provide for review. |  |  |  | Reviewer Comment (2025-06-30): Provided Hazard Insurance and Updated [Redacted] and AUS Documents. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached HOI policy, along with an updated AUS, [Redacted], and [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400812 |  |  |  | 33941138 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): Received HOA Dues documentation. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached HOA verification. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400818 |  |  |  | 33941143 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the insurance and HOA dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-20): Received closing statement to verify Tax, insurance and HOA. Exception Cleared<br>Buyer Comment (2025-06-19): We provided the fully executed settlement statement from the purchase of this property which verifies ownership, annual HOA, taxes and HOI. PEr guidelines this is sufficient to verify the non-subject properties PITIA payment, no different than a final closing disclosure. Review to clear this issue of escalate this within your Credit team for higher level review.<br>Reviewer Comment (2025-06-19): Please provide Insurance Policy and HOA dues documentation for this property. Exception remains.<br>Buyer Comment (2025-06-18): Please see the attached settlement statement to confirm the HOA dues and HOI payment for this home. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400832 |  |  |  | 33941154 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation to verify the P&I payment and evidence taxes are included for the newly required mortgage with [Redacted]for the borrower's primary residence. |  |  |  | Reviewer Comment (2025-06-19): Received Closing Disclosure for new mortgage with [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-19): Please see attached CD for the closing of this property. Please note that this was qualifed in a more conservative manner. Escrow is being counted twice. DTI only improves updating the P&I and escrow for this home. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A |  | N/A | No |
|  | GCATINV400835 |  |  |  | 34007273 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD or Settlement Statement was missing for [Redacted] to confirm new payment of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): Closing disclosure provided. Exception cleared.<br>Buyer Comment (2025-07-14): Please see the attached CD noting the payment used to qualify. The HOA dues of $[Redacted]are noted in the file. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCATINV400836 |  |  |  | 34007274 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD or Settlement Statement was missing for [Redacted] to confirm new payment of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-15): Received Final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-07-14): Please see attached final closing disclosure for the non-subject property. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCATINV400880 |  |  |  | 34007321 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the new HELOC agreement to verify the monthly payment of $[Redacted]as utilized in qualifying. In addition, please provide documentation to verify the current HELOC was paid off with the proceeds of this new HELOC. |  |  |  | Reviewer Comment (2025-07-18): Received Final Closing Disclosure to verify monthly payment of $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached final closing disclosure for the lien on the non-subject property [Redacted]. Please note the lien is a second mortgage and not a HELOC, borrower cannot take out further draws. Additionally, the final closing disclosure page [Redacted] confirms the prior [Redacted] balance was paid off. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400902 |  |  |  | 34007339 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the insurance documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-07-17): Received updated [Redacted], [Redacted]& AUS. Exception cleared.<br>Buyer Comment (2025-07-17): Please see the attached for the updated [Redacted].<br>Buyer Comment (2025-07-17): Please see the attached for the updated [Redacted], [Redacted]and AUS.<br>Reviewer Comment (2025-07-17): As per Final [Redacted], [Redacted]and AUS documents Property has Insurance, Tax, HOA total i[Redacted]. as per provided Tax Certificate Document taxes are [Redacted]) and Shortage is [Redacted] - $[Redacted]). Please Provide Source document to Verify Shortage of $[Redacted]or else please provide Updated [Redacted], [Redacted]and AUS stating $[Redacted]for Primary Property. Exception Remains.<br>Buyer Comment (2025-07-16): This property is owned free and clear of any mortgages, HOI is not required. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400906 |  |  |  | 34007342 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final CD for the new mortgage with [Redacted]to verify the PITIA in the monthly amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-15): Received Closing Disclosure document to verify Tax and Insurance. Exception Cleared.<br>Buyer Comment (2025-07-14): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400913 |  |  |  | 34007351 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Please provide the CD for the recent mortgage with [Redacted], and/or the mortgage statement, taxes, and hazard insurance documentation for this recently purchased primary residence, to verify PITIA in the amount of $[Redacted]as utilized in qualifying. |  |  |  | Reviewer Comment (2025-07-14): Final CD provided. Exception cleared<br>Buyer Comment (2025-07-14): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400965 |  |  |  | 34049429 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the mortgage [Redacted]dues documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-07-01): Provided HOA document, Exception Cleared.<br>Buyer Comment (2025-06-30): Please see the attached [Redacted]verification. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400982 |  |  |  | 34049656 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure from the recent transaction on this property to verify the PITIA payment. Please provide for review. |  |  |  | Reviewer Comment (2025-06-30): Received final CD for the property located at "[Redacted]". Exception cleared.<br>Buyer Comment (2025-06-27): Please see attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400986 |  |  |  | 34049663 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation for the PITIA in the monthly amount of $[Redacted]. There is a [Redacted] Report in file that reflects an outstanding mortgage opened [Redacted]. However, the final loan application indicates it is owned free and clear. Please provide supporting documentation. |  |  |  | Reviewer Comment (2025-06-27): Received final closing disclosure to verify PITIA amount. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached, CD for property at [Redacted]. The [Redacted] has a typo stating there is no mortgage, but the amount used to qualify is correct and supported by the [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCATINV401018 |  |  |  | 34049698 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence of the HOA dues for this condo. Please provide for review. |  |  |  | Reviewer Comment (2025-06-30): Provided HOA for the non-subject property: Exception Cleared<br>Buyer Comment (2025-06-27): Please refer to page [Redacted] DOC ID [Redacted] for the HOA dues, the unit number ([Redacted]) of the non-subject is noted to confirm the property. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401030 |  |  |  | 34049711 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence of the taxes for this property, please provide for review. |  |  |  | Reviewer Comment (2025-06-19): Received tax certificate for the property located at"[Redacted]". Exception cleared.<br>Buyer Comment (2025-06-19): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A |  | N/A | No |
|  | GCATINV401031 |  |  |  | 34049714 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a final closing disclosure from the refinance of this property to verify PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-06-20): Received Final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-19): Please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401044 |  |  |  | 34049721 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the insurance verification for this property to support the $[Redacted]variance in property expenses. The [Redacted]states taxes, HOI and HOA utilized in qualifying. Please provide for review. |  |  |  | Reviewer Comment (2025-06-26): Received [Redacted] for the indicated property.<br>Buyer Comment (2025-06-26): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401045 |  |  |  | 34049723 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final CD from the recent transaction on the primary residence to confirm the new [Redacted] payment. Please provide for review. |  |  |  | Reviewer Comment (2025-06-30): Received Final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see final CD for [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV401056 |  |  |  | 34049731 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the Insurance and HOA dues for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): Received evidence of HOA Dues. Exception cleared.<br>Buyer Comment (2025-06-19): Please see attached confirming the HOA dues for this property. Note there is a small discrepancy from the [Redacted], however the DTI change is [Redacted]%. Please review to clear this condition. Also, the address is listed in the URL. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A |  | N/A | No |
|  | GCATINV401063 |  |  |  | 34049739 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the final Closing Disclosure for the new refinance on the indicated property to evidence P&I payment of $[Redacted]and evidence of payment of the existing lien. |  |  |  | Reviewer Comment (2025-06-27): Received final CD for the new refinance on the REO property. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV401066 |  |  |  | 34100577 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation used to verify the $[Redacted]HOA Dues for the borrower's primary residence. |  |  |  | Reviewer Comment (2025-07-15): [Redacted]document received. Exception cleared.<br>Buyer Comment (2025-07-15): Please see attached confirming [Redacted] dues for this property. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401069 |  |  |  | 34165247 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing the Final CD from the recent transaction on this property to confirm PITIA. Please provide for review. |  |  |  | Reviewer Comment (2025-06-18): Final CD received for property[Redacted] with PITIA amount. Exception cleared.<br>Buyer Comment (2025-06-18): Please see attached final CD and HOI to confirm PITIA for the non-subject.<br>Buyer Comment (2025-06-18): Please see attached final [Redacted]and HOI to confirm [Redacted]for the non-subject. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401070 |  |  |  | 34307078 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Require verification mortgage has been released or paid off on REO " [Redacted]". |  |  |  | Reviewer Comment (2025-02-26): REO [Redacted] owned by business [Redacted] hence excluded for mortgage verification. exception cleared.<br>Buyer Comment (2025-02-26): Lender's comments: The property at [Redacted]. the property is included in the business tax returns, and the property report does not show any liens. There are no other mortgages reported for our borrower's name, so any mortgage against this property would be in the business name and not need to be included in our review. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400532 |  |  |  | 33540066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank [Redacted]): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Missing evidence of credit report. |  |  |  | Reviewer Comment (2025-06-02): Credit report provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] NR: Please see attached credit report. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33631852 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank [Redacted]): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400001 |  |  |  | 31226297 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank (Redacted)): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of (Redacted)% of the Federal Total Loan Amount. Points and Fees total $(Redacted) on a Federal Total Loan Amount of $(Redacted) vs. an allowable total of $(Redacted) (an overage of $(Redacted) or .(Redacted)%). | Lender's QM worksheet included a Par rate however no price associated with the rate was provided. Please confirm undiscounted rate and price. |  |  |  | Reviewer Comment (2024-08-05): Received evidence of undiscounted rate and price.<br>Seller Comment (2024-08-05): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within ([Redacted])% higher than APOR which allows for ([Redacted])% bonafide discount to be applied. The Undiscounted Interest Rate Price is $([Redacted]). | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400017 |  |  |  | 32940596 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted]points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-03-08): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-03-07): Please see attached undiscounted rate | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400022 |  |  |  | 32691238 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of [Redacted] of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]). | Lender's QM Worksheet included a Par rate however no price associated with the rate was provided. Please confirm undiscounted rate and price. |  |  |  | Reviewer Comment (2025-02-20): Received undiscounted rate and [Redacted].<br>Reviewer Comment (2025-02-04): Threshold of [Redacted]% does not meet investor requirement of [Redacted] % in order to exclude bonafide discount points. Buyer to review.<br>Seller Comment (2025-02-03): Undiscounted rate / bona fide discount calc | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32976766 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage ([Redacted]: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as Bonafide. Additional conditions may apply if standard [Redacted] points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-17): Undiscounted rate and price provided; exception cleared.<br>Seller Comment (2025-04-17): Points and Fee's Bona Fide Disc breakdown<br>Reviewer Comment (2025-04-16): Compliancease reflects undiscounted rate as [Redacted]%. Undiscounted price is blank. Is this supposed to represent PAR? We need the price in order to determine what portion is actually bonafide.<br>Seller Comment (2025-04-16): Compliance Ease shows Pass<br>Seller Comment (2025-04-16): Loan has Bona Fide Discount pts<br>Reviewer Comment (2025-04-16): We need evidence of what the undiscounted rate and price is. Please provide pricing sheet with starting rate and points. An attestation will not clear this exception.<br>Seller Comment (2025-04-14): Attestation letter and supporting documentation for undiscounted rate and price<br>Reviewer Comment (2025-04-11): Please provide undiscounted rate and price.<br>Seller Comment (2025-04-10): Hello, can you please let us know specifically what we can provide to clear this condition. thank you<br>Reviewer Comment (2025-04-09): Documentation provided does not indicate undiscounted rate and price.<br>Seller Comment (2025-04-07): QM Compliance<br>Reviewer Comment (2025-04-01): Please provide undiscounted rate and price.<br>Seller Comment (2025-03-31): Compliance Screen | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400066 |  |  |  | 33079712 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted]points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-03-26): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-03-24): This should clear the condition since it meets .[Redacted] to [Redacted] point ratio | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400072 |  |  |  | 33180082 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as Bonafide. Additional conditions may apply if standard [Redacted]points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-25): Undiscounted cost and rate provided.<br>Seller Comment (2025-04-25): Please see attached for undiscounted rate and price | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400073 |  |  |  | 33187947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Missing undiscounted price. Without the undiscounted price, unable to verify points as [Redacted]. Additional conditions may apply if standard [Redacted] points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-25): Undiscounted rate price provided; exception cleared.<br>Seller Comment (2025-04-25): Please see attached for undiscounted price | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400089 |  |  |  | 33071293 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | [Redacted]: Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of [Redacted] of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an allowable total of [Redacted](an overage of [Redacted]). | Points and Fees total [Redacted] vs. an investor allowable total of [Redacted] for an overage of [Redacted]. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing. |  |  |  | Reviewer Comment (2025-04-11): [Redacted] received itemization of seller credit.<br>Seller Comment (2025-04-10): Disagree - The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and passing QM test with highlighted undiscounted rate. The Undiscounted Interest Rate Price is $[Redacted].Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted]- $[Redacted]= $[Redacted]/ $[Redacted]= [Redacted]%<br>Reviewer Comment (2025-04-10): This is already being incorporated into the ratios<br>Seller Comment (2025-04-09): [Redacted]The Undiscounted Interest Rate Price is $[Redacted]. However this loan is not using bonafide. The Discount points are being covered by Seller credit in the amount of $[Redacted]<br>Reviewer Comment (2025-04-01): Seller comments on[Redacted] do not apply to this exception. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing.<br>Seller Comment (2025-03-29): [Redacted] A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400127 |  |  |  | 33084789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted]points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-01): Received undiscounted rate and pricing, exception cleared.<br>Seller Comment (2025-03-31): LI [Redacted] See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted] | X |  |  | 1 C A |  | X | Second Home | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400129 |  |  |  | 33086061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted] points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-01): Received undiscounted rate and pricing, exception cleared.<br>Seller Comment (2025-03-31): [Redacted] See attached passing [Redacted] with highlighted [Redacted], bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted] higher than [Redacted] which allows for [Redacted] to be applied. The Undiscounted Interest Rate Price [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400242 |  |  |  | 33451707 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted]points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-05-21): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-05-20): POINTS AND FEE'S SNIP<br>Seller Comment (2025-05-20): \*\*\*\* PLEASE SEE COMPLIANCE EASE PG [Redacted] A. Origination Charges Bona Fide discount points = undiscounted rate and price<br>Reviewer Comment (2025-05-20): Please provide undiscounted rate price.<br>Seller Comment (2025-05-19): [Redacted] LE Disclosed<br>Seller Comment (2025-05-19): [Redacted]h LE Disclosed<br>Seller Comment (2025-05-19): [Redacted] Disclosed<br>Seller Comment (2025-05-19): [Redacted]nd LE Disclosed<br>Seller Comment (2025-05-19): First [Redacted] disclosed | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400264 |  |  |  | 33451451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Lender's Compliance Report included an undiscounted rate however no price associated with the rate was provided. Please confirm undiscounted rate and price. |  |  |  | Reviewer Comment (2025-06-05): Updated undiscounted rate and price provided, exception cleared.<br>Seller Comment (2025-06-05): points and fees screen<br>Reviewer Comment (2025-06-04): Compliance report and initial lender's analysis show [Redacted]as [Redacted] rate, please provide evidence of [Redacted].<br>Seller Comment (2025-06-04): The undiscounted rate and price are [Redacted]% @ [Redacted]%. This allows us to exclude [Redacted]% (or $[Redacted]) of the discount points from the QM Points and Fees calculation.<br>Reviewer Comment (2025-05-20): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400389 |  |  |  | 33604849 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | QM overage of $[Redacted]partially due to $[Redacted]discount points after [Redacted] % deducted. Additional QM fees included lender origination fee $[Redacted]and underwriting fee $[Redacted] total $[Redacted]and still exceed allowance by $[Redacted]with $[Redacted]points included. |  |  |  | Reviewer Comment (2025-06-11): Offset provided for seller paid discount points.<br>Seller Comment (2025-06-10): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400391 |  |  |  | 33580783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Undiscounted rate and points of [Redacted]% and [Redacted]% vs final rate and points of [Redacted]% and [Redacted]% ratio is less than the [Redacted]% testing standard, [Redacted]pricing from date of lock is required for additional testing. |  |  |  | Reviewer Comment (2025-06-09): Received itemization of seller credit.<br>Seller Comment (2025-06-06): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400401 |  |  |  | 33613151 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | Due to APOR to undiscounted rate spread, only [Redacted]point can be excluded from QM points and fees. Seller credit was provided however it was only $[Redacted]while overage is $[Redacted]. |  |  |  | Reviewer Comment (2025-07-07): Offset provided for seller paid discount points.<br>Seller Comment (2025-07-02): the exception information you provided above also notes [Redacted]% bonafide discount points being excluded from the test. So $[Redacted]points and fees - seller paid discount points of $[Redacted]- [Redacted]% bonafide discount points $[Redacted]= $[Redacted] in test. This is passing<br>Reviewer Comment (2025-06-27): Adjusted points [Redacted]plus origination fee [Redacted], even if unitemized seller credit was itemized and deducted at [Redacted], [Redacted] and still exceed maximum.<br>Seller Comment (2025-06-25): A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied.<br>Reviewer Comment (2025-06-13): Adjusted points $[Redacted] plus origination fee $[Redacted] is $[Redacted], even if unitemized seller credit was itemized and deducted at $[Redacted], QM fees would be $[Redacted] and still exceed maximum.<br>Seller Comment (2025-06-12): [Redacted] See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400528 |  |  |  | 33613315 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Undiscounted rate and points of [Redacted]% and [Redacted]% vs final rate and points of [Redacted]% and [Redacted]% ratio is less than [Redacted]% testing standard, [Redacted]pricing from date of lock is required for additional testing. |  |  |  | Reviewer Comment (2025-06-13): QM fees less than [Redacted]%<br>Seller Comment (2025-06-12): [Redacted] portion of the Discount charge fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400532 |  |  |  | 33540065 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | The APOR index from rate lock date of [Redacted] of [Redacted]is greater than [Redacted]% lower than the undiscounted rate of [Redacted]% so no discount points can be excluded. |  |  |  | Reviewer Comment (2025-06-23): SHQM (APOR)<br>Seller Comment (2025-06-20): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33631851 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and cost. |  |  |  | Reviewer Comment (2025-06-27): Received undiscounted rate and price.<br>Seller Comment (2025-06-25): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted].<br>Reviewer Comment (2025-06-12): Client tests [Redacted]% ratio, please provide undiscounted cost as well as rate.<br>Seller Comment (2025-06-12): LI [Redacted] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400585 |  |  |  | 33616359 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. |  |  |  | Reviewer Comment (2025-06-12): Received undiscounted rate and price.<br>Seller Comment (2025-06-12): The undiscounted rate and pricing information is on page [Redacted]of the compliance report in your portal. It is filed under approval [Redacted]. Thank you!<br>Reviewer Comment (2025-06-11): Please provide evidence of undiscounted rate and price. Testing sheet provided only reflects pricing for final rate of [Redacted]<br>Seller Comment (2025-06-11): There were [Redacted] in allowable excludable discount points that should have been excluded from the points and fees testing. Please see page three of the attached compliance testing for details. Condition is invalid please clear. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400595 |  |  |  | 33676480 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted] of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] (an overage of $[Redacted]r [Redacted]%). | Lender's QM worksheet included a Par rate however no price associated with the rate was provided. Please confirm undiscounted rate and price. |  |  |  | Reviewer Comment (2025-07-01): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-06-27): SHOWS UNDISCOUNTED RATE [Redacted]%<br>Reviewer Comment (2025-06-26): Please confirm undiscounted rate price.<br>Seller Comment (2025-06-25): UNDISCOUNTED RATE | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400604 |  |  |  | 33678767 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Lender's QM worksheet included a Par rate however no price associated with the rate was provided. Please confirm undiscounted rate and price. |  |  |  | Reviewer Comment (2025-06-26): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-06-25): COMPLIANCE TEST CERT--INCLUDES THE UNDISCOUNTED RATE | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400643 |  |  |  | 33787738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Loan file is missing the information regarding the undiscounted rate and associated price to determine if any of the discount points can be considered bonafide |  |  |  | Reviewer Comment (2025-07-03): [Redacted] received itemization of seller credit.<br>Seller Comment (2025-06-30): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400675 |  |  |  | 33789402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Undiscounted rate and points of [Redacted]% and [Redacted]% vs final rate and points of [Redacted]% and [Redacted]% ratio is less than [Redacted]% testing standard; [Redacted]pricing from date of lock is required for additional testing. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] received itemization of seller credit.<br>Seller Comment (2025-06-30): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400705 |  |  |  | 33791524 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bona fide. Additional conditions may apply if standard [Redacted] points/rate ratio is not met. |  |  |  | Reviewer Comment (2025-07-02): Received rate lock with pricing, exception cleared.<br>Seller Comment (2025-06-30): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400716 |  |  |  | 33782632 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. |  |  |  | Reviewer Comment (2025-07-02): Received rate lock with pricing, exception cleared.<br>Seller Comment (2025-06-30): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400015 |  |  |  | 32354765 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage ([Redacted] [Redacted] [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total [Redacted][Redacted]on a Federal Total Loan Amount of [Redacted][Redacted]vs. an allowable total of [Redacted][Redacted](an overage of [Redacted][Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2024-10-30): Offset provided for seller paid fees. Loan no longer exceeds threshold.<br>Buyer Comment (2024-10-29): The client paid [Redacted] points to go from [Redacted][Redacted] [Redacted] points to [Redacted][Redacted][Redacted]. Please exclude $[Redacted] from the QM points and fee's test, which is the excludable amount of discount points. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400369 |  |  |  | 33579677 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted]% is equal to or greater than the threshold of [Redacted]%. |  |  |  |  | Reviewer Comment (2025-06-09): Received qm worksheet<br>Seller Comment (2025-06-06): "CT [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]%. The difference between the APR vs APOR is [Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate.<br> $[Redacted]- $[Redacted]= $[Redacted]/ $[Redacted]= [Redacted]%" | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400565 |  |  |  | 33571929 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | AUS line [Redacted]requires evidence of payoff of Discover $[Redacted]prior to closing. No evidence of payoff provided. |  |  |  | Reviewer Comment (2025-06-05): Discover Settlement provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] See attached, Discover agreed to settle this for $[Redacted]. $[Redacted]balance is under the $[Redacted]threshold that requires this to be paid off and borrower qualifies with the additional $[Redacted]/month payment associated.<br>Seller Comment (2025-06-05): [Redacted]: See attached, Discover agreed to settle this for $[Redacted]. $[Redacted]balance is under the $[Redacted]threshold that requires this to be paid off and borrower qualifies with the additional $[Redacted]/month payment associated. | X |  |  | 1 B A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984471 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984470 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400013 |  |  |  | 32091919 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Flood disclosure provided on [Redacted] less than [Redacted] business day prior to [Redacted] closing. |  |  |  | Reviewer Comment (2024-12-06): Borrower was notified same day [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted].<br>Seller Comment (2024-12-05): Per Regulation [Redacted] (f) "... A bank will be considered to be in compliance with the requirement for notice to the borrower of this section by providing written notice to the borrower containing the language presented in appendix A to this part within a reasonable time before the completion of the transaction. The notice presented in [Redacted]A to this part satisfies the borrower notice requirements of the Act." This does not state that it must be signed but only delivered to the borrower within a reasonable time. Please reference the attached Flood hazard area notice and TRID History highlighted in yellow showing it distributed and clicked. | X |  |  | 1 B A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400086 |  |  |  | 33079342 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [Redacted]days prior to closing. |  |  |  | Reviewer Comment (2025-04-01): Exception cleared<br>Seller Comment (2025-03-29): LI[Redacted] Please see attached Flood Cert and TRID Worksheet showing it was delivered to the borrower on [Redacted]. This meets the[Redacted]day mailbox rule of the closing on [Redacted]<br>Seller Comment (2025-03-29): [Redacted] Please see attached [Redacted] showing it was delivered to the borrower on [Redacted]. This meets the 7 day mailbox rule of the closing on [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400091 |  |  |  | 33081631 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [Redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-04-01): Receipt date updated per original notice, exception cleared<br>Seller Comment (2025-03-29): LI [Redacted]Please see the attached TRID Disclosure History and Flood Disclosure that shows the borrower was sent the Flood Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted]business day cool off before the closing date of [Redacted].<br>Seller Comment (2025-03-29): LI [Redacted] Please see the attached TRID Disclosure History and Flood Disclosure that shows the borrower was sent the Flood Disclosure on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400124 |  |  |  | 33078772 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [Redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400486 |  |  |  | 33616320 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [Redacted] days prior to closing. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400492 |  |  |  | 33548181 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | [Redacted] receipt was not sufficient, exception is informational only and may remain open. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400618 |  |  |  | 33786697 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed [Redacted] with no evidence of Notice receipt at least [Redacted] days prior to closing. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400672 |  |  |  | 33789826 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [Redacted] days prior to closing. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400908 |  |  |  | 34007347 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The initial Notice of Special Flood Hazards was not provided within a reasonable time prior to closing. |  |  |  | Buyer Comment (2025-07-15): Seller acknowledges. No change to grading. |  |  | X | 2 B |  | X | Investment | Purchase | B A |  | N/A | No |
|  | GCATINV400212 |  |  |  | 33290040 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. |  |  |  |  |  | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400007 |  |  |  | 31782870 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-12-02): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Reviewer Comment (2024-11-07): Referred to buyer.<br>Seller Comment (2024-11-07): [Redacted] & [Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400014 |  |  |  | 32347011 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-01-16): Investor to clear.<br>Seller Comment (2025-01-16): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400017 |  |  |  | 32421156 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-24): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400023 |  |  |  | 32650367 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-19): Investor to clear<br>Seller Comment (2025-03-19): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
|  | GCATINV400024 |  |  |  | 32666727 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-12): Investor to clear.<br>Seller Comment (2025-03-12): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
|  | GCATINV400025 |  |  |  | 32668751 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-13): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400026 |  |  |  | 32689669 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-02-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-02-21): Investor to clear.<br>Seller Comment (2025-02-21): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400027 |  |  |  | 32706575 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-04): Investor to clear<br>Seller Comment (2025-03-04): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400028 |  |  |  | 32728010 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-19): Investor to clear<br>Seller Comment (2025-03-19): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400029 |  |  |  | 32732747 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-27): Investor to clear.<br>Seller Comment (2025-03-27): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400030 |  |  |  | 32737692 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-17): Investor to clear.<br>Seller Comment (2025-03-17): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400031 |  |  |  | 32744258 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400032 |  |  |  | 32746712 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-10): Investor to clear<br>Seller Comment (2025-03-10): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400033 |  |  |  | 32752944 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-10): Investor to clear.<br>Seller Comment (2025-03-10): (Rate Lock) Tracking [Redacted]shows Delivered Thursday [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400034 |  |  |  | 32779823 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-10): Investor to clear<br>Seller Comment (2025-03-10): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400035 |  |  |  | 32783349 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400036 |  |  |  | 32784720 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-17): Investor to clear.<br>Seller Comment (2025-03-17): Delivered[Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400037 |  |  |  | 32795557 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-17): Investor to clear.<br>Seller Comment (2025-03-17): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400038 |  |  |  | 32796842 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-13): Investor to clear<br>Seller Comment (2025-03-13): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400039 |  |  |  | 32803122 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-25): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400040 |  |  |  | 32813735 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-01): Waived on Rate Lock: Collateral cleared by [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400041 |  |  |  | 32818363 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-13): Investor to clear<br>Seller Comment (2025-03-13): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400042 |  |  |  | 32826420 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400043 |  |  |  | 32826496 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-13): Investor to clear<br>Seller Comment (2025-03-13): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400044 |  |  |  | 32838476 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-12): Investor to clear.<br>Seller Comment (2025-03-12): Note Tracking - Note delivered [Redacted]<br>Reviewer Comment (2025-03-10): Investor to clear<br>Seller Comment (2025-03-10): Fed Ex Tracking # [Redacted] Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400045 |  |  |  | 32871572 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400046 |  |  |  | 32874925 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400047 |  |  |  | 32884728 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-08): Investor to clear.<br>Seller Comment (2025-04-08): Delivered [Redacted]/[Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400048 |  |  |  | 32884747 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-12): Investor to clear.<br>Seller Comment (2025-03-12): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400049 |  |  |  | 32903645 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400050 |  |  |  | 32903836 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-21): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400051 |  |  |  | 32922971 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-21): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400052 |  |  |  | 32927966 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-03-26): Investor to clear.<br>Seller Comment (2025-03-26): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400053 |  |  |  | 32929717 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-01): Referred to buyer.<br>Seller Comment (2025-03-28): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400058 |  |  |  | 32931236 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-08): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
|  | GCATINV400059 |  |  |  | 32931237 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-28): Investor to clear<br>Seller Comment (2025-04-28): Delivered[Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400060 |  |  |  | 32934505 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400061 |  |  |  | 32935916 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by [Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 32947449 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400066 |  |  |  | 32965278 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400067 |  |  |  | 32966755 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-08): Investor to clear.<br>Seller Comment (2025-04-08): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400068 |  |  |  | 32974449 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-08): Investor to clear.<br>Seller Comment (2025-04-08): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400069 |  |  |  | 32989527 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-25): Referred to buyer.<br>Reviewer Comment (2025-04-25): Referred to [Redacted].<br>Reviewer Comment (2025-04-22): Referred to buyer.<br>Seller Comment (2025-04-22): Delivered [Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400070 |  |  |  | 32997591 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-18): Referred to buyer.<br>Seller Comment (2025-04-16): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400072 |  |  |  | 33000265 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400073 |  |  |  | 33004529 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400143 |  |  |  | 33019631 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400145 |  |  |  | 33025860 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-28): Investor to clear<br>Seller Comment (2025-04-28): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400147 |  |  |  | 33065454 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-23): [Redacted]: [Redacted]<br>Reviewer Comment (2025-04-18): Referred to buyer.<br>Seller Comment (2025-04-16): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400151 |  |  |  | 33097786 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-05-14): Investor to clear<br>Seller Comment (2025-05-14): Delivered[Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400152 |  |  |  | 33104013 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-05-01): Investor to clear.<br>Seller Comment (2025-05-01): Delivered[Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400153 |  |  |  | 33104066 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: [Redacted]<br>Reviewer Comment (2025-05-14): Investor to clear<br>Seller Comment (2025-05-14): Delivered [Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400154 |  |  |  | 33104115 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-21): Referred to buyer.<br>Seller Comment (2025-04-21): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | A | N/A | N/A | No |
|  | GCATINV400155 |  |  |  | 33106902 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-11): Investor to clear.<br>Seller Comment (2025-04-11): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400156 |  |  |  | 33107047 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-21): Referred to buyer.<br>Seller Comment (2025-04-21): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400157 |  |  |  | 33111892 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: [Redacted] cleared by Custodian<br>Reviewer Comment (2025-05-01): Investor to clear.<br>Seller Comment (2025-05-01): Delivered[Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400164 |  |  |  | 33137164 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-29): Investor to clear<br>Seller Comment (2025-04-29): (Rate Lock) Fedx tracking [Redacted]sent [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
|  | GCATINV400165 |  |  |  | 33151245 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-05-12): Investor to clear<br>Seller Comment (2025-05-12): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400166 |  |  |  | 33160883 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: [Redacted] cleared by Custodian<br>Reviewer Comment (2025-05-01): Investor to clear.<br>Seller Comment (2025-05-01): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400167 |  |  |  | 33186802 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-04-30): Investor to clear<br>Seller Comment (2025-04-30): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | A | N/A | N/A | No |
|  | GCATINV400178 |  |  |  | 33194505 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-05-12): Investor to clear<br>Seller Comment (2025-05-12): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400179 |  |  |  | 33200821 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-22): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400181 |  |  |  | 33210250 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400222 |  |  |  | 33316720 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Reviewer Comment (2025-05-14): Investor to clear<br>Seller Comment (2025-05-14): Delivered [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400152 |  |  |  | 33361801 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | AUS condition [Redacted] requires primary residence expense verification as VOR, [Redacted]months verified payments or lease and[Redacted] months verified payments, however only 1 statement was provided. |  |  |  | Reviewer Comment (2025-04-30): VOR provided, exception cleared.<br>Seller Comment (2025-04-30): VOR | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400181 |  |  |  | 33414754 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Primary residence is rental, AUS condition [Redacted]requires verification with third party verification or [Redacted] months bank statements showing transfer or lease plus [Redacted] months transfer. |  |  |  | Reviewer Comment (2025-05-12): As per revised [Redacted] borrower is residing on rent free basis on current property. Exception cleared.<br>Seller Comment (2025-05-09): Updated [Redacted]to show No rent<br>Seller Comment (2025-05-09): Borrower doesn't have a lease - he lives with his girlfriend and just pays her to help with utilities etc. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400215 |  |  |  | 33277317 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower is staying on Rent for [Redacted] year [Redacted] months, required Verification of Rent document. |  |  |  | Reviewer Comment (2025-03-12): Received VOR For primary Residence for [Redacted] Months. Exception Cleared<br>Buyer Comment (2025-03-11): VOR<br>Reviewer Comment (2025-03-07): Received VOR, however start date shows [Redacted]. please provide updated VOR with correction in start date. Exception Remains<br>Buyer Comment (2025-03-06): rental history<br>Reviewer Comment (2025-02-17): Current purchase is investment. borrower is residing on rental residence hence require to verify rental history on borrower current rental address "[Redacted]". exception remains.<br>Buyer Comment (2025-02-15): This is a FHLMC loan which only requires this on manually underwritten loans see section [Redacted][Redacted] Evidence of verification of Mortgage payment history and/or rental payment history for the [Redacted]-month period prior to the date of the Mortgage application must be included in the Mortgage file for Manually Underwritten Mortgages. FHLMC requires for NOO and [Redacted] homes<br>Reviewer Comment (2025-02-12): Primary Purchase Does not require Housing history verification, however [Redacted][Redacted]Primary property history must verify per [Redacted]. Exception Remains<br>Buyer Comment (2025-02-11): Per Lender: we do not need VOR. It's not a departing residence as they purchased a NOO.<br>Buyer Comment (2025-02-11): Per Lender we do not need VOR. It's not a departing residence as they purchased a NOO. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400444 |  |  |  | 33618295 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Twelve month verification of rent was not found in loan file. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: Lease agreement and [Redacted] months of checks were included in the loan file along with a letter from the landlord confirming borrower's obligation is $[Redacted]. Borrower's roommate pays the landlord and the borrower pays her roommate ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted]as well as [Redacted]paying the landlord. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400562 |  |  |  | 33542380 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Waterfall for missing mortgage verification. |  |  |  | Reviewer Comment (2025-06-19): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-18): [Redacted] KM: Attached.<br>Reviewer Comment (2025-06-06): Please provide [Redacted] for property or updated [Redacted] without [Redacted].<br>Seller Comment (2025-06-06): [Redacted] AMB: Please note that the mortgage for[Redacted] is a Commercial Equity Loan that was taken out in the name of the borrower's business, which is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the [Redacted], and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a commercial building. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400636 |  |  |  | 33819397 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] months of VOR for primary rental. File contains [Redacted]for [Redacted] and [Redacted] [Redacted] . Missing [Redacted] consecutive months. |  |  |  | Reviewer Comment (2025-07-08): a copy of a current, fully executed lease agreement and two months canceled checks (or equivalent payment source) supporting the rental payment amount are in the file, exception cleared<br>Seller Comment (2025-07-07): [Redacted] We used the [Redacted] months receipt + lease agreement option allowed by [Redacted][Redacted]. See attached lease | X |  |  | 1 C A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400092 |  |  |  | 33087083 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final [Redacted], borrower is (non-permanent resident) however (supporting doc required) was not provided. |  |  |  | Reviewer Comment (2025-04-01): [Redacted] visa, expiration date [Redacted] provided, exception cleared<br>Seller Comment (2025-03-27): [Redacted] /[Redacted]CW: See attached [Redacted]-[Redacted]evidencing borrower is on an [Redacted] [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400114 |  |  |  | 33090215 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per [Redacted], Borrower is [Redacted] however verification of [Redacted] was not provided. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]provided<br>Seller Comment (2025-03-27): [Redacted] - [Redacted]: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400137 |  |  |  | 33090433 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower and co-borrower are [Redacted] were not provided. |  |  |  | Reviewer Comment (2025-04-01): Permanent Resident card provided, exception cleared<br>Seller Comment (2025-03-31): [Redacted]: See attach permanent resident cards | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400210 |  |  |  | 33277097 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final [Redacted], borrower is permanent resident alien; however, supporting doc not provided. |  |  |  | Reviewer Comment (2025-04-28): Permanant residence card provided; exception cleared.<br>Seller Comment (2025-04-24): ID | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV401074 |  |  |  | 34307085 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | File is missing a copy of trust agreement for the Bank statement [Redacted] as the statement is in the name of trust. |  |  |  | Reviewer Comment (2025-04-23): Received updated [Redacted]/[Redacted]without Trust Fund # [Redacted]. Still sufficient asset available to meet the cash to close and reserve requirement. Exception Cleared<br>Buyer Comment (2025-04-23): [Redacted]<br>Reviewer Comment (2025-04-21): Noted. Provide updated [Redacted] without Trust account included for qualification. Exception Remains<br>Buyer Comment (2025-04-18): Lender's response: The account is listed as joint ownership for our borrowers. The funds in that account are minimal & aren't needed for down payment, closing or reserves. The account can be excluded from qualifying funds if needed. Please advise. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401076 |  |  |  | 34307107 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement (Asset acct# [Redacted][Redacted] is missing. |  |  |  | Reviewer Comment (2025-04-17): Received updated [Redacted]/AUs without [Redacted] account being used for qualification. Exception Cleared<br>Buyer Comment (2025-04-16): Per lender : Updated Assets, removed account in name of Trust, updated AUS and Final [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401078 |  |  |  | 34307115 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Certificate to verify monthly taxes used to qualify. |  |  |  | Reviewer Comment (2025-05-06): Received updated [Redacted]confirm Tax amount [Redacted]of sale price matched with PCCD. Exception Cleared<br>Buyer Comment (2025-05-02): Per Lender: updated URLA and URLA Lender using tax rate $[Redacted]\*.[Redacted]=$[Redacted]/[Redacted]= $[Redacted]<br>Reviewer Comment (2025-05-01): Lender used assessment [Redacted] whereas provided Tax document document shows $[Redacted]Additionally PCCD dated [Redacted] shows total Tax, insurance and Assessment $[Redacted] whereas Final[Redacted]shows [Redacted]. Exception Remains<br>Buyer Comment (2025-04-29): [Redacted]<br>Reviewer Comment (2025-04-24): Received Tax cert with tax rate of [Redacted]and special assessment of $[Redacted], which leads Tax amount of $[Redacted]/Annual, however Lender did not included [Redacted] $[Redacted]and [Redacted]$[Redacted]. Additionally PCCD total TIA amount $[Redacted]is not matching with [Redacted]/[Redacted]/AUS TIA amount [Redacted]. Tax is not escrowed unable to ascertain how much amount is lender used. Exception Remains<br>Buyer Comment (2025-04-23): matches [Redacted]tax bill direct from county<br>Reviewer Comment (2025-04-17): Provided Tax cert does not support lender used Annual amount of $[Redacted]. using tax rate [Redacted]with sale price $[Redacted]along with Special [Redacted]$[Redacted]total Tax amount of $[Redacted]Exception Remain<br>Buyer Comment (2025-04-16): Tax cert | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400978 |  |  |  | 34049579 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Copy of closing statement for the sale of [Redacted] at [Redacted] to verify payoff of mortgage lien to [Redacted] and to source the $[Redacted]deposit on [Redacted]. |  |  |  | Reviewer Comment (2025-06-26): Received settlement statement for the source of deposit. [Redacted]<br>Buyer Comment (2025-06-25): Please see attached settlement statement for this property. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400263 |  |  |  | 33448167 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien missing in file. |  |  |  | Reviewer Comment (2025-06-12): Security instrument provided, exception cleared.<br>Seller Comment (2025-06-11): Recorded Security Instrument<br>Reviewer Comment (2025-06-11): Please provide Security instrument.<br>Seller Comment (2025-06-10): Signed Note | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400624 |  |  |  | 33787819 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-07-01): Received [Redacted]<br>Seller Comment (2025-06-30): attached | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400636 |  |  |  | 33818812 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-07-04): Received Security Instrument, exception cleared.<br>Seller Comment (2025-07-02): Please see the attached recorded Deed of Trust | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV401071 |  |  |  | 34307080 |  | Credit | Missing Document | General | Missing Document | Missing Document: Road Maintenance Agreement not provided |  | Subject is a PUD with private road, missing a copy of the road maintenance agreement. |  |  |  | Reviewer Comment (2025-03-27): Noted. Appraisal dated [Redacted] received confirming public road. Exception cleared.<br>Buyer Comment (2025-03-27): updated appraisal. No private rd.<br>Reviewer Comment (2025-03-24): Noted. Appraisal Report Site section Off-site Improvements type reflects Street as private and therefore Private Road maintenance agreement is required. Exception remains.<br>Buyer Comment (2025-03-24): Question Private Road | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400065 |  |  |  | 32977499 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  |  |  |  |  | Reviewer Comment (2025-03-11): [Redacted] has been received & attached. Exception cleared.<br>Reviewer Comment (2025-03-11): Rider - Second Home is still missing in file. Exception remains.<br>Seller Comment (2025-03-10): send home rider | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400220 |  |  |  | 33277402 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | Require second home rider for the subject property |  |  |  | Reviewer Comment (2025-02-06): Second home rider provided.<br>Buyer Comment (2025-02-06): mtg with riders | X |  |  | 1 C A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400220 |  |  |  | 33277401 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Require PUD rider for the subject property. |  |  |  | Reviewer Comment (2025-02-06): PUD rider provided.<br>Buyer Comment (2025-02-06): mtg with riders | X |  |  | 1 C A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400479 |  |  |  | 33624459 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): Rider provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400383 |  |  |  | 33606988 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement missing in file, |  |  |  | Reviewer Comment (2025-06-13): Purchase contract provided, exception cleared.<br>Seller Comment (2025-06-13): [Redacted] MM: It was a Probate Sale and The Seller was a court assigned trustee and the purchase agreement document was all we had available. Probate court ordered and confirmed the sale.. Please see attached escrow email correspondence regarding this matter (it was provided to the [Redacted] team to address the Purchase Agreement condition).<br>Reviewer Comment (2025-06-11): Only [Redacted]pages were provided. Please provide full copy of purchase contract reflecting seller's signature.<br>Seller Comment (2025-06-10): [Redacted] M: Please see attached document | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400471 |  |  |  | 33540167 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase contract missing in file. |  |  |  | Reviewer Comment (2025-06-02): Purchase contract provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] TT: please see attached | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400536 |  |  |  | 33626576 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Missing the subject property Purchase Agreement. |  |  |  | Reviewer Comment (2025-06-19): Received purchase agreement.<br>Seller Comment (2025-06-18): [Redacted]: please see attached. It is labeled [Redacted] Instructions but it has everything that a purchase agreement would have/need and is signed by all parties.<br>Reviewer Comment (2025-06-12): Please provide purchase agreement.<br>Seller Comment (2025-06-12): [Redacted] TT: please see attached | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400843 |  |  |  | 34007282 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Contract document is missing in the file. |  |  |  | Reviewer Comment (2025-07-16): Purchase Agreement received. exception cleared.<br>Buyer Comment (2025-07-15): Please see attached purchase agreement. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400932 |  |  |  | 34007374 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase agreement is missing in file. |  |  |  | Reviewer Comment (2025-07-14): Upon the receipt of purchase contract, exception has been cleared.<br>Buyer Comment (2025-07-10): Please review pg[Redacted]and pg[Redacted] which contains the purchase agreement and all addendums. Thank you | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400959 |  |  |  | 34007501 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-07-11): Received Purchase Agreement. Exception Cleared.<br>Buyer Comment (2025-07-10): Please see attached purchase agreement | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400218 |  |  |  | 33277337 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require Rent free letter as Borrower is staying Rent Free with no primary housing expense. |  |  |  | Reviewer Comment (2025-03-12): Received Rent Free LOX confirm Borrower living rent Free along with non-Borrower. Exception Cleared<br>Buyer Comment (2025-03-11): Rent free letter | X |  |  | 1 C A D |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400263 |  |  |  | 33448131 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note - Subject Lien not provided. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] provided, exception cleared.<br>Seller Comment (2025-06-10): Signed Note | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400333 |  |  |  | 33503774 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-05-23): Note provided.<br>Seller Comment (2025-05-22): [Redacted] | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400479 |  |  |  | 33624458 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): Note provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] please see attached | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400547 |  |  |  | 33534692 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2025-06-02): [Redacted]provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]: Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400259 |  |  |  | 33441147 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-07-01): Need initial [Redacted]not pccd. [Redacted]exception<br>Seller Comment (2025-06-27): [Redacted] |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400479 |  |  |  | 33624456 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-07-11): [Redacted]provided, exception cleared.<br>Seller Comment (2025-07-10): Attached | X |  |  | 1 B A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400083 |  |  |  | 33078792 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-04-02): Final [Redacted]provided<br>Seller Comment (2025-04-01): [Redacted]: Please see the attached fully executed final loan application. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400131 |  |  |  | 33071406 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-04-01): Received final [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400197 |  |  |  | 33276416 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-04-23): Final [Redacted]provided; exception cleared.<br>Seller Comment (2025-04-22): final [Redacted]<br>Reviewer Comment (2025-04-21): Please provide Final [Redacted].<br>Seller Comment (2025-04-17): [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400255 |  |  |  | 33439623 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final [Redacted] is not signed or dated by borrower. |  |  |  | Reviewer Comment (2025-05-20): Signed Final [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-20): signed [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400263 |  |  |  | 33448129 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-06-11): Received final [Redacted].<br>Seller Comment (2025-06-10): Final [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33539081 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-07-02): Received final [Redacted].<br>Seller Comment (2025-07-01): [Redacted] [Redacted]: Please see attached.<br>Seller Comment (2025-07-01): [Redacted] [Redacted] please see attached | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400479 |  |  |  | 33624454 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-07-11): [Redacted]<br> provided, exception cleared.<br>Seller Comment (2025-07-10): Attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400779 |  |  |  | 33941114 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The only [Redacted] in the file reflects a DTI of [Redacted] %, while the final DU Findings reflect [Redacted] %. Please provide either a revised [Redacted] , or provide corrected DU Findings at the lower DTI. At initial review, Diligence's DTI aligns within [Redacted] % of the DU Findings. Ratios to be further reviewed upon receipt of [Redacted] accurate approval documentation. |  |  |  | Reviewer Comment (2025-06-23): Provided 1008 modifies DTI ratio to [Redacted]. Exception cleared<br>Buyer Comment (2025-06-20): Please see the attached for the updated [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | GCATINV400982 |  |  |  | 34049657 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | A DTI discrepancy exists between the [Redacted]and most recent AUS. If the [Redacted]diligence has is not the final [Redacted], please provide the [Redacted]. If the AUS is incorrect and should reflect the DTI as listed on the [Redacted]of [Redacted]%, please provide a revised AUS. DTI will be further reviewed upon receipt. |  |  |  | Reviewer Comment (2025-06-30): Corrected AUS findings provided. Income updated to align with income streams considered by the lender. Exception cleared.<br>Buyer Comment (2025-06-27): please see updated AUS findings reflecting the correct DTI | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400292 |  |  |  | 33481726 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | The lease on leasehold property was not provided. |  |  |  | Reviewer Comment (2025-05-27): Lease provided, exception cleared.<br>Seller Comment (2025-05-25): recorded ground lease<br>Reviewer Comment (2025-05-23): Missing Lease for Leasehold, not for [Redacted].<br>Seller Comment (2025-05-22): Per AUS, Schedule E is sufficient. Rental income was calculated using Schedule E on tax returns | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400740 |  |  |  | 33941012 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  |  |  |  |  | Reviewer Comment (2025-06-26): Final Closing Disclosure received to verify the PITIA. Exception Cleared.<br>Buyer Comment (2025-06-25): Final CD was provided for[Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400901 |  |  |  | 34007335 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-07-17): Provided Final Settlement Statement Document. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached final alta signed by the settlement agent. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400990 |  |  |  | 34049666 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-07-11): Received Final Closing Statement for the sale of REO. Exception Cleared.<br>Buyer Comment (2025-07-10): Please see the attached final alta signed by the title agent. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401026 |  |  |  | 34049704 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Please provide the Settlement Statement for the sale of the REO to support the deposit in the amount of $[Redacted]into checking. |  |  |  | Reviewer Comment (2025-06-26): Received seller's statement proceeds from the sale of REO property. Exception cleared<br>Buyer Comment (2025-06-25): Please see the attached alta confirming the proceeds from the sale of [Redacted][Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401063 |  |  |  | 34049737 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Please provide the final Closing Disclosure for the cash out refinance on the borrower's primary residence to evidence net proceeds of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-27): Received [Redacted] to verify [Redacted][Redacted]. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached CD for this property. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV401066 |  |  |  | 34100575 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of [Redacted] to verify the total net equity received and that all liens are paid and closed. |  |  |  | Reviewer Comment (2025-07-28): Final Settlement statement was provided [Redacted]) to confirm sufficient net equity to assets and reserves. Exception cleared.<br>Reviewer Comment (2025-07-24): Settlement statement was not signed and Zillow report does not confirm proof borrower received funds from transaction. Exception remains.<br>Buyer Comment (2025-07-22): Please see attached final settlement statement. This was printed the day of closing and can be confirmed to verify the proceeds from the sale of the home. Also attached is the zillow report confirming the sale. The address is in the URL. Please review to clear this condition.<br>Reviewer Comment (2025-07-15): Received Closing statement without signed & dated. Please provide signed & dated Closing statement for review.<br>Buyer Comment (2025-07-15): Please see attached settlement statement for this property. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400880 |  |  |  | 34007322 |  | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided |  | Please provide the HELOC agreement, along with a current equity loan statement to verify the available balance and terms. also requires verification that the equity loan funds have been transferred to the borrower or directly to the title company. |  |  |  | Reviewer Comment (2025-07-18): Received Final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached final closing disclosure for the lien on the non-subject property [Redacted]. Please note the lien is a second mortgage and not a [Redacted], borrower cannot take out further draws. Additionally, the final closing [Redacted] confirms the prior PNC balance was paid off. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401031 |  |  |  | 34049713 |  | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided |  | Proceeds from sale of a non-real estate asset was listed as available funds. If this was funds from a cash-out refinance on the primary residence, the Final CD will suffice. If this was from a new HELOC or sale of another asset, please provide additional documentation to support. |  |  |  | Reviewer Comment (2025-06-20): Received Final Closing Disclosure document. Exception Cleared.<br>Buyer Comment (2025-06-19): The funds came from RM#[Redacted], final CD attached for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400471 |  |  |  | 33540145 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-06-02): HOI provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]<br> TT: please see attached<br>Seller Comment (2025-06-02): [Redacted] please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400526 |  |  |  | 33614213 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): HOI provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: See attached policy | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400726 |  |  |  | 33791369 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project and the Master Condominium Policy was not found. Please provided for review. |  |  |  | Reviewer Comment (2025-06-06): Received Master Policy. Exception cleared.<br>Buyer Comment (2025-06-06): Please see attached condo master insurance policy. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400728 |  |  |  | 33791373 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-06-10): Master [Redacted]Policy provided. Exception cleared.<br>Buyer Comment (2025-06-10): Please see the attached master condo insurance. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400735 |  |  |  | 33940956 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-06-18): Received Master Insurance Policy. Exception Cleared.<br>Buyer Comment (2025-06-17): Please see attached insurance policies. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400761 |  |  |  | 33941091 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the Condominium Master Policy evidencing walls in coverage since H06 was not obtained. |  |  |  | Reviewer Comment (2025-06-17): Master policy received. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached HOA policy. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400785 |  |  |  | 33941120 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Master hazard insurance policy missing in the file. |  |  |  | Reviewer Comment (2025-06-18): Master hazard insurance policy received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached HOA policy. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400823 |  |  |  | 33941146 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project. Please provide the Master Condominium Policy for review. |  |  |  | Reviewer Comment (2025-06-19): Received Master Condo Policy. Exception cleared.<br>Buyer Comment (2025-06-19): Please see the attached master policy. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400878 |  |  |  | 34007318 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project and the Master Policy was not provided. |  |  |  | Reviewer Comment (2025-07-16): Received master policy. Exception cleared<br>Buyer Comment (2025-07-15): Please see attached, condo insurance policy as requested. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400956 |  |  |  | 34007489 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file was missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-07-10): Master insurance policy received along with flood Insurance. Exception cleared.<br>Buyer Comment (2025-07-10): Please see the attached master hazard policy and flood policy renewal. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400964 |  |  |  | 34049419 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Master Policy is missing |  |  |  | Reviewer Comment (2025-06-30): Received Master Policy Insurance document. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see attached master policy | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400973 |  |  |  | 34049525 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-06-27): Hazard master insurance policy is provided, cleared exception.<br>Buyer Comment (2025-06-26): Please see the attached condo insurance master policy. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400995 |  |  |  | 34049670 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-06-26): Condominium master insurance policy received. Exception cleared.<br>Buyer Comment (2025-06-26): Please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401047 |  |  |  | 34049725 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is located in a Condominium Project. Please provide the Condominium Master Policy, not found in file. |  |  |  | Reviewer Comment (2025-06-19): [Redacted][Redacted]Policy received. Exception cleared.<br>Buyer Comment (2025-06-19): Please see attached master policy. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401067 |  |  |  | 34164606 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a condo project. The file is missing the condominium master insurance policy. |  |  |  | Reviewer Comment (2025-07-01): Master Policy provided. Exception cleared.<br>Buyer Comment (2025-06-30): Please see attaced<br>Reviewer Comment (2025-06-30): Please provide the Master Insurance Policy document. Exception remains.<br>Buyer Comment (2025-06-27): please see the master condo policies attached | X |  |  | 1 C A |  | X | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400956 |  |  |  | 34007490 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The subject is located in a condo project. The file was missing the condominium master insurance policy evidencing flood coverage is included. |  |  |  | Reviewer Comment (2025-07-10): Master insurance policy received along with flood Insurance. Exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400964 |  |  |  | 34049418 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | File only contains the flood insurance application and not the flood insurance policy. Upon receipt of the flood policy, additional conditions may apply. |  |  |  | Reviewer Comment (2025-06-30): Received [Redacted] document. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see attached flood policy. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400408 |  |  |  | 33534438 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate missing. |  |  |  | Reviewer Comment (2025-06-03): Flood cert provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]AMB: Please see the attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400430 |  |  |  | 33541228 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-02): Flood provided.<br>Seller Comment (2025-06-02): [Redacted] NR: Please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400779 |  |  |  | 33941113 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-17): Received Flood Certificate. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached Flood cert. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | GCATINV400243 |  |  |  | 33447525 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of access to funds is missing from file. |  |  |  | Reviewer Comment (2025-05-27): Exception cleared.<br>Seller Comment (2025-05-27): Borrowers name is at bottom<br>Reviewer Comment (2025-05-27): Account owner name is [Redacted], no documentation in file reflecting ownership. Please provide evidence of access to funds.<br>Seller Comment (2025-05-23): [Redacted] is owner of [Redacted]<br>Reviewer Comment (2025-05-23): Please provide evidence of access to funds for [Redacted].<br>Seller Comment (2025-05-21): mountain account docs<br>Seller Comment (2025-05-21): mountain pacific account<br>Reviewer Comment (2025-05-20): Please provide evidence of access to funds for [Redacted].<br>Seller Comment (2025-05-20): all bank statements | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400057 |  |  |  | 32933665 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing evidence of borrower [Redacted]. Child Support expense reflected on Final [Redacted]and Borrower's paystubs however, missing verification of monthly[Redacted] in the file. | The representative FICO score is above [Redacted].<br>Borrower has verified disposable income of at least $[Redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-12): [Redacted] elects to downgrade based on compensating factors. |  |  | X | 2 C B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400084 |  |  |  | 33090898 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The origination credit report tied to the [Redacted] findings is not in the loan file. |  |  |  | Reviewer Comment (2025-04-01): Credit report that matches LP provided<br>Seller Comment (2025-03-26): [Redacted]tm: attached | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400178 |  |  |  | 33365770 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report missing |  |  |  | Reviewer Comment (2025-04-29): Credit report provided; exception cleared.<br>Seller Comment (2025-04-29): Please clear with receipt of Credit report | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400452 |  |  |  | 33626189 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is missing for borrower '[Redacted] and [Redacted]'. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: please see attached<br>Seller Comment (2025-06-12): [Redacted] TT: please see attached<br>Seller Comment (2025-06-12): [Redacted]<br> TT: please see attached | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400532 |  |  |  | 33539814 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-06-02): Credit report provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please see attached credit report. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33628152 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report for [Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided.<br>Seller Comment (2025-06-12): [Redacted] MM: Please see attached credit report | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400725 |  |  |  | 33791368 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | The file is missing documentation to verify the current balance the [Redacted] revolving debt paid at closing. $[Redacted] was paid off on the Final CD, however, the credit report reflects the balance of $[Redacted]. If the full balance was not paid, the remaining balance and new payment must be considered in qualifying. |  |  |  | Reviewer Comment (2025-06-17): Received updated [Redacted], Aus and [Redacted]document for [Redacted]revolving debt balance. Exception Cleared.<br>Buyer Comment (2025-06-16): Please see attached, [Redacted] [Redacted] and AUS. All have been updated to reflect the balance and payment listed on the credit report. The loan still qualifies. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400301 |  |  |  | 33481530 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Missing cancelled check #[Redacted] or written statement from the EMD holder verifying receipt of the funds or wire transfer confirmation per FHLMC[Redacted] |  |  |  | Reviewer Comment (2025-05-21): EMD deposit provided, exception cleared.<br>Seller Comment (2025-05-21): [Redacted]verification uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400024 |  |  |  | 32997952 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS reflects the number of[Redacted]. Borrowers actually have [Redacted]. |  |  |  | Reviewer Comment (2025-03-11): Revised AUS received in file; Exception cleared.<br>Seller Comment (2025-03-10): Updated [Redacted]- Please also clear Waterfall condition | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
|  | GCATINV400070 |  |  |  | 33190456 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is incomplete, items [Redacted] are all blank. |  |  |  | Reviewer Comment (2025-04-08): Revised AUS has been provided & captured. Exception cleared.<br>Seller Comment (2025-04-08): [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400131 |  |  |  | 33071397 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-04-01): Received AUS, exception cleared<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached LPA findings. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400160 |  |  |  | 33141870 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | [Redacted] reflects DU findings, however missing DU. |  |  |  | Reviewer Comment (2025-04-04): Updated [Redacted], exception cleared.<br>Seller Comment (2025-04-02): Please see attached revised [Redacted]showing LP | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400169 |  |  |  | 33199267 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-04-09): AUS provided; exception cleared.<br>Seller Comment (2025-04-08): Hello. Please find the attached AUS. Thank you. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400208 |  |  |  | 33280424 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan is LP approved per [Redacted], missing LP Accept findings. |  |  |  | Reviewer Comment (2025-04-22): AUS provided.<br>Seller Comment (2025-04-18): AUS findings | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing |  |  |  | Reviewer Comment (2025-05-30): Received AUS<br>Seller Comment (2025-05-29): [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400402 |  |  |  | 33604118 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS accept, Loan Transmittal indicates Streamlined Accept findings were used. |  |  |  | Reviewer Comment (2025-06-11): Received AUS<br>Seller Comment (2025-06-10): [Redacted]AD: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400414 |  |  |  | 33539043 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-06-13): LP provided.<br>Seller Comment (2025-06-13): [Redacted]: Please see attached [Redacted] findings that show [Redacted] is eligible. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400423 |  |  |  | 33612829 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS accept, however LT indicates Accept findings were used. |  |  |  | Reviewer Comment (2025-06-12): AUS provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400433 |  |  |  | 33542137 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS in file reflects incorrect number of financed properties. Borrower has [Redacted], AUS reflects one. |  |  |  | Reviewer Comment (2025-06-13): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-13): [Redacted] TT: please see attached<br>Reviewer Comment (2025-06-05): Please provide updated AUS with section [Redacted]updated to reflect [Redacted]financed properties.<br>Seller Comment (2025-06-05): [Redacted] "If the Number of Financed Properties field is not provided, DU will use the number of residential properties in the Real Estate Owned (REO) section that include a mortgage payment, or that are associated with a mortgage or [Redacted], as the number of financed properties. Properties that are identified as commercial, [Redacted], land, or farm in the Other Description field for each specific REO will not be used when determining the number of financed properties." [Redacted]did not enter a number into Number of Financed Properties, which is why [Redacted]only used the REO section from the loan application, which only has one financed property.<br>Reviewer Comment (2025-06-02): [Redacted] and subject property would be [Redacted] financed properties.<br>Seller Comment (2025-06-02): [Redacted]: We are only seeing the borrower owning [Redacted], in addition to the subject property | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400522 |  |  |  | 33613174 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): Received [Redacted]<br>Seller Comment (2025-06-11): [Redacted] tm: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400536 |  |  |  | 33626573 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing LP accept findings. |  |  |  | Reviewer Comment (2025-06-12): LPA provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] TT: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400592 |  |  |  | 33828246 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Added [Redacted]LP matching updated [Redacted]income was not provided. [Redacted]missing $[Redacted]"other" and [Redacted] overtime income $[Redacted]on [Redacted]was not supported. |  |  |  | Reviewer Comment (2025-07-15): Updated LPA provided, exception cleared<br>Seller Comment (2025-07-11): UW comments in rental income<br>Seller Comment (2025-07-11): [Redacted] guide<br>Seller Comment (2025-07-11): . I am attaching the documents here as well. Sched E which highlights [Redacted] as a multifamily and [Redacted] guidelines showing it doesn't matter what the property type is for properties that are not our subject. <br>Boarder income would only apply if it were the subject property. I uploaded [Redacted]guidelines for other REO property types. It doesn't matter what the property is especially if it is being reported on the tax returns.<br>Reviewer Comment (2025-07-09): Updated approval with income matching final [Redacted]is still missing.<br>Seller Comment (2025-07-08): Updated [Redacted]and UW comments on income<br>Reviewer Comment (2025-07-07): Lender response indicates other income was IRA distribution of $[Redacted], however [Redacted]indicates income was $[Redacted]. Please provide corrected [Redacted]and verification to support [Redacted] for further review.<br>Seller Comment (2025-07-02): updated LPA, please advise what else needs to be corrected if anything please. | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400217 |  |  |  | 33277330 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing [Redacted]letter or [Redacted]confirming use of business account will have not impact. [Redacted]#[Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-03-12): Received CFA for account [Redacted] and [Redacted]. exception cleared.<br>Buyer Comment (2025-03-12): CFA | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400301 |  |  |  | 33481529 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing cancelled check #[Redacted]or written statement from the EMD holder verifying receipt of the funds or wire transfer confirmation per FHLMC [Redacted]. |  |  |  | Reviewer Comment (2025-05-21): EMD deposit provided, exception cleared.<br>Seller Comment (2025-05-21): EMD verification uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400405 |  |  |  | 33620169 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Transfer came from account [Redacted], the wire says it came from account [Redacted], thus requirement of bank statement is needed for proof it is borrower. |  |  |  | Reviewer Comment (2025-06-12): Bank statements provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV401070 |  |  |  | 34307076 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter for business ([Redacted]) bank statemen #[Redacted] & [Redacted], stating withdrawal of the funds from the business will not harm the financial strength of the business. |  |  |  | Reviewer Comment (2025-04-21): [Redacted]letter, wire, bank statements and [Redacted]provided.<br>Buyer Comment (2025-04-21): [Redacted] personal bank statements<br>Buyer Comment (2025-04-21): CPA Letter<br>Buyer Comment (2025-04-21): wire transfer<br>Buyer Comment (2025-04-21): [Redacted]<br>Buyer Comment (2025-04-21): per lender : We have verified personal assets to cover funds to close. This includes [Redacted], one [Redacted] from the business bank statement, which is backed by a [Redacted]. The business shows large liquidity, and the business bank statement appears to not be used for day to day business activities but rather a business savings account. The other being a [Redacted] deposit from the sale of a business, backed by attorney letter confirming the [Redacted] from one of the other [Redacted]on the "[Redacted]" business. The updated [Redacted]statement also shows the funds to close wire for our loan closing transaction being deducted, which proves funds were available. The [Redacted] out was added back to the balance to show correctly for [Redacted]. [Redacted] updated accordingly. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400494 |  |  |  | 33613392 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal completed "subject to repair", no [Redacted] or other evidence provided |  |  |  | Reviewer Comment (2025-06-12): Final inspection provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] CW: See attached, inspection confirmed everything is safe to use, no [Redacted] required as no repairs were needed. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400142 |  |  |  | 33071309 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-04-01): Appraisal report[Redacted] provided, exception cleared.<br>Seller Comment (2025-03-26): [Redacted] [Redacted] : attached | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400012 |  |  |  | 32093642 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Asset statements provided do not identify owner, accounts can not be included. |  |  |  | Reviewer Comment (2024-12-17): Received statement.<br>Reviewer Comment (2024-12-09): Transaction history fails to show owner of account or full account number, and per LPA account statement cover a [Redacted]-month period or a direct account verification required.<br>Seller Comment (2024-12-09): [Redacted] - Transaction histories are acceptable as standalone documentation as long as they meet all investor documentation requirements. Identify the [Redacted] ([Redacted]), Identify the account owner ([Redacted]), Identify the account number, which at a minimum must include the last [Redacted] digits ([Redacted]), Identify the type of account ([Redacted]), Show all transactions (All included for period, evidenced by balance), Show the period covered ([Redacted] - [Redacted]), Show the ending balance ($[Redacted]), and show any outstanding loans secured by the asset ([Redacted], you don't take loans against a [Redacted])<br>Reviewer Comment (2024-12-06): Personal bank statement for #[Redacted] is still missing in file. Exception remains.<br>Seller Comment (2024-12-05): [Redacted] [Redacted]- Document lists "[Redacted]" on the top of the page in the banner | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400022 |  |  |  | 32706886 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | [Redacted] section [Redacted]indicates subject is to be a primary residence while [Redacted]and [Redacted]indicate it is second home. All documentation in file indicates subject as currently second home occupation. |  |  |  | Reviewer Comment (2025-02-03): Received updated [Redacted].<br>Seller Comment (2025-01-30): correct [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400242 |  |  |  | 33454249 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final [Redacted]section [Redacted]indicates subject is to be a primary residence while [Redacted] and [Redacted] indicate it is investment. All documentation in file indicates subject as currently owner occupied. Corrected [Redacted] is required. |  |  |  | Reviewer Comment (2025-05-27): Updated [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-22): [Redacted] with proper occupancy declared | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400621 |  |  |  | 33793837 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final [Redacted]section 5a indicates subject is to be a primary residence while 3a and 4a indicate it is second home. All documentation in file indicates subject as currently non-owner occupied. |  |  |  | Reviewer Comment (2025-07-01): Received updated [Redacted]<br>Seller Comment (2025-06-30): [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400621 |  |  |  | 33793839 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final [Redacted] section [Redacted] indicates subject is to be a primary residence while [Redacted] and [Redacted] indicate it is second home. All documentation in file indicates subject as currently non-owner occupied. |  |  |  | Reviewer Comment (2025-07-01): Received updated [Redacted]<br>Seller Comment (2025-06-30): [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401078 |  |  |  | 34307112 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final [Redacted]section 5a indicates subject is to be a primary residence while [Redacted]indicate it is Second Home. |  |  |  | Reviewer Comment (2025-04-17): Received updated [Redacted]with correction Occupancy Declaration. Exception Cleared<br>Buyer Comment (2025-04-16): updated [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400003 |  |  |  | 31239227 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-02-03): Received supporting CDA. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400145 |  |  |  | 33320688 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-04-22): Investor to order. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400008 |  |  |  | 31882739 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-23): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400009 |  |  |  | 31957883 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-01-30): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400016 |  |  |  | 32354788 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-01-30): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400019 |  |  |  | 32673499 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-23): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400029 |  |  |  | 33020661 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-03-14): Waived<br>Seller Comment (2025-03-14): We are not required to obtain a CDA or any other 2nd Valuation on these files. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400034 |  |  |  | 32976033 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate [Redacted] |  |  |  | Reviewer Comment (2025-04-24): CDA has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-04-22): Reopen exception<br>Reviewer Comment (2025-03-07): Investor to provide appropriate secondary valuation tool. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400035 |  |  |  | 33173482 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-16): Received CDA.<br>Reviewer Comment (2025-07-16): n/a<br>Reviewer Comment (2025-04-02): Investor to provide appropriate secondary valuation tool. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400045 |  |  |  | 33122042 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-03-27): Investor to provide appropriate secondary valuation tool. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400053 |  |  |  | 33108096 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-03-25): Investor to provide | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400059 |  |  |  | 33341968 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-04-24): Investor to provide appropriate secondary valuation tool. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400061 |  |  |  | 33215344 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-05-05): [Redacted] has been attached. Exception cleared.<br>Seller Comment (2025-05-05): Please see attached<br>Reviewer Comment (2025-04-21): [Redacted] valuation is still missing in file. Exception remains.<br>Seller Comment (2025-04-20): Please advise if this is for [Redacted] to clear and waive on [Redacted] end. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400075 |  |  |  | 33078945 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropiate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400076 |  |  |  | 33079266 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400077 |  |  |  | 33078653 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400079 |  |  |  | 33092818 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Full appraisal is provided and supporting secondary valuation missing in file. |  |  |  | Reviewer Comment (2025-04-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400082 |  |  |  | 33369983 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400083 |  |  |  | 33078836 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400086 |  |  |  | 33079326 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400090 |  |  |  | 33090148 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-07-30): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400094 |  |  |  | 33080703 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400101 |  |  |  | 33071564 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): [Redacted] provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400102 |  |  |  | 33071890 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400113 |  |  |  | 33087260 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400115 |  |  |  | 33091925 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): [Redacted]provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400116 |  |  |  | 33086448 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-05-01): Received CDA | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400121 |  |  |  | 33086251 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | File is missing secondary valuation required for securitization. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400123 |  |  |  | 33092023 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-25): Received CDA | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D B C A | N/A | N/A | No |
|  | GCATINV400124 |  |  |  | 33078707 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropiate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-24): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400125 |  |  |  | 33089394 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropraite secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400126 |  |  |  | 33086028 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | [Redacted]to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-24): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400127 |  |  |  | 33084752 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | [Redacted] to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400129 |  |  |  | 33086046 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Innvestor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400129 |  |  |  | 33086047 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): Received [Redacted] | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400131 |  |  |  | 33071512 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400134 |  |  |  | 33088181 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400138 |  |  |  | 33087554 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Collateral Underwriter Score is [Redacted] and LCA Risk Score is [Redacted]. Secondary valuation is missing in file. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400139 |  |  |  | 33089893 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400141 |  |  |  | 33071568 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400142 |  |  |  | 33155674 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Secondary valuation required for securitization missing |  |  |  | Reviewer Comment (2025-07-14): [Redacted] received in file; Exception cleared. | X |  |  | 1 A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400168 |  |  |  | 33196587 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-22): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400169 |  |  |  | 33196795 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order |  |  |  | Reviewer Comment (2025-04-22): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33196810 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-22): CDA provided in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400177 |  |  |  | 33199749 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-05-01): Received CDA | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400178 |  |  |  | 33365761 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-13): N/A<br>Reviewer Comment (2025-04-29): Investor to provide appropriate [Redacted] [Redacted] tool. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400186 |  |  |  | 33275929 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400189 |  |  |  | 33285096 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400199 |  |  |  | 33283389 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400206 |  |  |  | 33284773 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290089 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  |  | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400223 |  |  |  | 33360015 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-04-28): Received [Redacted] | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400233 |  |  |  | 33360033 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-28): Received cda | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400234 |  |  |  | 33360040 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-04-28): Received [Redacted] for the indicated property. Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400235 |  |  |  | 33360047 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.[Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-28): Received cda<br>Reviewer Comment (2025-04-28): [Redacted]<br>Buyer Comment (2025-03-27): Seller acknowledges. No change to grading. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400244 |  |  |  | 33447012 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400247 |  |  |  | 33442504 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400248 |  |  |  | 33442607 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400256 |  |  |  | 33452190 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to order appropriate [Redacted]nd value tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400258 |  |  |  | 33446176 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400265 |  |  |  | 33452600 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400270 |  |  |  | 33478654 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400272 |  |  |  | 33488444 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A | N/A | N/A | No |
|  | GCATINV400276 |  |  |  | 33486518 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400286 |  |  |  | 33478383 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400296 |  |  |  | 33486452 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400300 |  |  |  | 33488073 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400303 |  |  |  | 33487141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400305 |  |  |  | 33479753 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400307 |  |  |  | 33487854 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400313 |  |  |  | 33496827 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400317 |  |  |  | 33495131 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400318 |  |  |  | 33494240 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400323 |  |  |  | 33481310 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400332 |  |  |  | 33496404 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400337 |  |  |  | 33497374 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400345 |  |  |  | 33503833 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400353 |  |  |  | 33505974 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400370 |  |  |  | 33603831 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400371 |  |  |  | 33541770 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400374 |  |  |  | 33580459 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order Appropriate Secondary Valuation Tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400382 |  |  |  | 33578608 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-08): Received CDA. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400388 |  |  |  | 33605954 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-08): Received CDA | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400389 |  |  |  | 33604302 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400398 |  |  |  | 33615438 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-08): Received [Redacted] | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400400 |  |  |  | 33604211 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-08): Received CDA. | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400405 |  |  |  | 33612985 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400406 |  |  |  | 33617193 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400419 |  |  |  | 33605542 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400420 |  |  |  | 33617361 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400428 |  |  |  | 33606457 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400434 |  |  |  | 33539137 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A | N/A | N/A | No |
|  | GCATINV400438 |  |  |  | 33626833 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate [Redacted]. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400441 |  |  |  | 33554449 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400448 |  |  |  | 33627476 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400452 |  |  |  | 33626032 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400465 |  |  |  | 33561262 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400475 |  |  |  | 33539867 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400487 |  |  |  | 33564034 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400510 |  |  |  | 33606847 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400511 |  |  |  | 33581213 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-30): CDA provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400513 |  |  |  | 33612680 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400517 |  |  |  | 33612888 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400518 |  |  |  | 33616194 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400521 |  |  |  | 33615697 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400527 |  |  |  | 33614231 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400531 |  |  |  | 33612628 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400533 |  |  |  | 33539446 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400538 |  |  |  | 33629015 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400540 |  |  |  | 33541607 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400548 |  |  |  | 33547014 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400560 |  |  |  | 33541084 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400564 |  |  |  | 33554598 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Provide Appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400565 |  |  |  | 33571146 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400566 |  |  |  | 33572581 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400567 |  |  |  | 33572218 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400569 |  |  |  | 33626640 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400570 |  |  |  | 33626308 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400576 |  |  |  | 33559789 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400577 |  |  |  | 33572522 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool/. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571660 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33572579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400583 |  |  |  | 33570743 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400597 |  |  |  | 33673189 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCATINV400611 |  |  |  | 33732232 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400613 |  |  |  | 33786629 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-01): Received ucdp.<br>Seller Comment (2025-06-30): Investor is Fredie with LCA score[Redacted], CDA not needed | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400614 |  |  |  | 33786533 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400615 |  |  |  | 33786951 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | [Redacted] |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400618 |  |  |  | 33786805 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400626 |  |  |  | 33784826 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400631 |  |  |  | 33789132 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400640 |  |  |  | 33788609 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | A secondary valuation is not located in the file. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400644 |  |  |  | 33786378 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400648 |  |  |  | 33817631 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400649 |  |  |  | 33788416 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400654 |  |  |  | 33785612 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400655 |  |  |  | 33756335 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400680 |  |  |  | 33789611 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400685 |  |  |  | 33781973 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400696 |  |  |  | 33781651 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400700 |  |  |  | 33782247 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400719 |  |  |  | 33786150 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400721 |  |  |  | 33791361 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400722 |  |  |  | 33791362 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400723 |  |  |  | 33791364 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400724 |  |  |  | 33791365 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400733 |  |  |  | 33791380 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400746 |  |  |  | 33941042 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400752 |  |  |  | 33941082 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400754 |  |  |  | 33941084 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCATINV400755 |  |  |  | 33941085 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400756 |  |  |  | 33941086 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400769 |  |  |  | 33941098 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400774 |  |  |  | 33941106 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400775 |  |  |  | 33941108 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400779 |  |  |  | 33941112 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | GCATINV400786 |  |  |  | 33941121 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400787 |  |  |  | 33941123 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400797 |  |  |  | 33941127 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400799 |  |  |  | 33941128 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400801 |  |  |  | 33941130 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400803 |  |  |  | 33941131 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400812 |  |  |  | 33941137 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400813 |  |  |  | 33941139 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400817 |  |  |  | 33941142 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400821 |  |  |  | 33941145 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400826 |  |  |  | 33941149 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400827 |  |  |  | 33941150 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400832 |  |  |  | 33941156 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D B C A |  | N/A | No |
|  | GCATINV400834 |  |  |  | 34007272 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400837 |  |  |  | 34007275 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400841 |  |  |  | 34007280 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400847 |  |  |  | 34007286 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCATINV400849 |  |  |  | 34007289 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400854 |  |  |  | 34007291 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]nd value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400855 |  |  |  | 34007292 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400859 |  |  |  | 34007298 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400861 |  |  |  | 34007299 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400864 |  |  |  | 34007301 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400865 |  |  |  | 34007303 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]nd value was provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400866 |  |  |  | 34007305 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400869 |  |  |  | 34007309 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): 2nd value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400874 |  |  |  | 34007314 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400883 |  |  |  | 34007325 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400884 |  |  |  | 34007326 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400887 |  |  |  | 34007328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400899 |  |  |  | 34007334 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400905 |  |  |  | 34007341 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400907 |  |  |  | 34007345 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV400914 |  |  |  | 34007353 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400916 |  |  |  | 34007355 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]nd value was provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400923 |  |  |  | 34007360 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | GCATINV400929 |  |  |  | 34007363 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400933 |  |  |  | 34007377 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400934 |  |  |  | 34007380 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400937 |  |  |  | 34007396 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]nd value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400939 |  |  |  | 34007403 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400941 |  |  |  | 34007413 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400945 |  |  |  | 34007439 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400947 |  |  |  | 34007450 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400948 |  |  |  | 34007452 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-08-01): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400953 |  |  |  | 34007479 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400957 |  |  |  | 34007492 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400961 |  |  |  | 34049288 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): CDA provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400962 |  |  |  | 34049292 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): Second value provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400967 |  |  |  | 34049465 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400969 |  |  |  | 34049503 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value was provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400975 |  |  |  | 34049542 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400977 |  |  |  | 34049565 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Second Home | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400979 |  |  |  | 34049603 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Second Home | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400983 |  |  |  | 34049659 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400985 |  |  |  | 34049661 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCATINV400988 |  |  |  | 34049664 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400989 |  |  |  | 34049665 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400991 |  |  |  | 34049667 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCATINV400994 |  |  |  | 34049669 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400998 |  |  |  | 34049671 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401005 |  |  |  | 34049680 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401007 |  |  |  | 34049682 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D B A |  | N/A | No |
|  | GCATINV401009 |  |  |  | 34049684 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401011 |  |  |  | 34049686 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401013 |  |  |  | 34049687 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401016 |  |  |  | 34049692 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401017 |  |  |  | 34049693 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted][Redacted][Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401019 |  |  |  | 34049699 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401023 |  |  |  | 34049702 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]nd value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401027 |  |  |  | 34049706 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] | X |  |  | 1 D A |  | X | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | GCATINV401028 |  |  |  | 34049707 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401033 |  |  |  | 34049715 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401040 |  |  |  | 34049718 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401045 |  |  |  | 34049722 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV401051 |  |  |  | 34049727 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401053 |  |  |  | 34049729 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401057 |  |  |  | 34049732 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401062 |  |  |  | 34049736 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted]value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV401063 |  |  |  | 34049738 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] value provided. | X |  |  | 1 D A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV401068 |  |  |  | 34165246 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A |  | X | Investment | Purchase | D A |  | N/A | No |
|  | GCATINV400266 |  |  |  | 33471674 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): CDA received in file; Exception cleared.<br>Reviewer Comment (2025-05-23): Investor to order, nothing required from lender.<br>Seller Comment (2025-05-21): Is this something AMC will order? please advise.<br> thanks | X |  |  | 1 D A |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400643 |  |  |  | 33787634 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. [Redacted] |  | A secondary valuation is required. UCDP scores are not provided. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400694 |  |  |  | 33789946 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. [Redacted] |  | CU score not provided. |  |  |  | Reviewer Comment (2025-07-24): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400086 |  |  |  | 33903468 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [Redacted]2 | Note Date: ___; Lien Position: ___ | [Redacted] |  |  |  |  |  |  |  | 2 A B |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400501 |  |  |  | 33871321 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [Redacted]2 | Note Date: ___; Lien Position: ___ | The [Redacted] value is $[Redacted]does not support $[Redacted]appraisal value but the CDA value of [Redacted][Redacted] supports. |  |  |  |  |  |  |  | 2 A B |  | X | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
|  | GCATINV400086 |  |  |  | 33354364 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. [Redacted] |  | Origination Value = $[Redacted]; CDA Value = $[Redacted] |  |  |  | Reviewer Comment (2025-07-11): Received field review. | X |  |  | 1 A |  | X | Investment | Purchase | D B A C | N/A | N/A | No |
|  | GCATINV400581 |  |  |  | 34034088 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. [Redacted] | Note Date: ___; Lien Position: ___ | Origination Value: $[Redacted]; CDA Value $[Redacted]EDIT - [Redacted] Exterior only condo appraisal form [Redacted]dated [Redacted] value is $[Redacted]and is lower than existing [Redacted]nd value CDA. |  |  |  |  |  |  |  | 3 C |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400051 |  |  |  | 33079333 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. CU and LCA results are contradictory. Missing Secondary Valuation. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-30): Desk review has been received & attached. Exception cleared.<br>Seller Comment (2025-04-30): please see attached<br>Reviewer Comment (2025-03-24): Secondary valuation is still missing in file. Exception remains.<br>Seller Comment (2025-03-24): Please advise if condition is for [Redacted] to clear or [Redacted] to clear. | X |  |  | 1 A D |  | X | Investment | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400501 |  |  |  | 33592494 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 C A D |  | X | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
|  | GCATINV400501 |  |  |  | 33592492 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria.[Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): CDA has been captured in clarity, Exception is cleared. | X |  |  | 1 C A D |  | X | Investment | Refinance - Rate/Term | D B A | N/A | N/A | No |
|  | GCATINV400414 |  |  |  | 33539067 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal Waiver was entered on a conventional loan, and Decision System does not reflect DU or LP. PIW is ineligible. Missing Primary Appraisal. |  | LP Accept findings were not provided. |  |  |  | Reviewer Comment (2025-06-13): [Redacted] provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400142 |  |  |  | 33071321 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. [Redacted] |  | AUS findings required a full appraisal report (Form [Redacted]) No appraisal was provided. |  |  |  | Reviewer Comment (2025-04-01): Appraisal report [Redacted]provided, exception cleared.<br>Seller Comment (2025-03-26): [Redacted] tm: attached | X |  |  | 1 D A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400741 |  |  |  | 33941026 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. [Redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A |  | X | Second Home | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400106 |  |  |  | 33071550 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-14): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400135 |  |  |  | 33086801 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-14): [Redacted]Exterior report received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400326 |  |  |  | 33496017 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): BPO provided. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400368 |  |  |  | 33578811 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-09): BPO Received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400369 |  |  |  | 33579715 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400372 |  |  |  | 33580663 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400375 |  |  |  | 33589467 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400386 |  |  |  | 33592043 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400395 |  |  |  | 33579586 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-17): Received BPO | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400401 |  |  |  | 33613001 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide. |  |  |  | Reviewer Comment (2025-07-17): Received [Redacted] | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33591551 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33655566 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Added [Redacted]upon AUS receipt. Nothing required investor to order. |  |  |  | Reviewer Comment (2025-07-17): Received bpo. | X |  |  | 1 A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400502 |  |  |  | 33607408 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400507 |  |  |  | 33581242 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33624889 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to Order. |  |  |  | Reviewer Comment (2025-07-17): Received bpo. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33607239 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400525 |  |  |  | 33628228 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-09): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400528 |  |  |  | 33613320 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-17): Received bpo | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400584 |  |  |  | 33570665 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-14): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400594 |  |  |  | 33676019 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-07-17): Received BPO | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400735 |  |  |  | 33940957 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): BPO has been updated. Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400736 |  |  |  | 33940960 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-17): Received [Redacted] | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400739 |  |  |  | 33940995 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400744 |  |  |  | 33941034 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400747 |  |  |  | 33941045 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-17): [Redacted] | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400930 |  |  |  | 34007368 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400935 |  |  |  | 34007385 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400936 |  |  |  | 34007393 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]has been reviewed, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400940 |  |  |  | 34007408 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400944 |  |  |  | 34007427 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400949 |  |  |  | 34007456 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400952 |  |  |  | 34007469 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-08-01): [Redacted]received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400959 |  |  |  | 34007499 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): BPO received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007502 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400963 |  |  |  | 34049314 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-28): Second value provided. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400964 |  |  |  | 34049420 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): [Redacted]has been captured in clarity, Exception is cleared. | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400966 |  |  |  | 34049442 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): BPO provided. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400971 |  |  |  | 34049514 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): BPO provided. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400973 |  |  |  | 34049521 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): BPO has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-07-28): [Redacted]value provided was for incorrect property. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400978 |  |  |  | 34049578 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-07-30): BPO provided. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400980 |  |  |  | 34049613 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file is missing supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): [Redacted]form has been captured. Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401066 |  |  |  | 34100573 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. [Redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]received in file; Exception cleared. | X |  |  | 1 D A B C |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400106 |  |  |  | 33921101 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400326 |  |  |  | 34119976 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | BPO $[Redacted]supported value. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400368 |  |  |  | 33870909 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): Doc ID [Redacted] is duplicate BPO provided earlier and is already updated, Exception Remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400369 |  |  |  | 33870933 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] is duplicate [Redacted] provided earlier and is already updated, Exception Remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400372 |  |  |  | 33870932 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): Doc ID [Redacted]is duplicate BPO provided earlier and is already updated, Exception Remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400375 |  |  |  | 33871009 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): Doc ID [Redacted] is duplicate BPO provided earlier and is already updated, Exception Remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400386 |  |  |  | 33870977 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): Doc ID [Redacted]is duplicate BPO already updated in file, exception remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400395 |  |  |  | 33958561 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400401 |  |  |  | 33958639 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33871062 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] is duplicate [Redacted]already updated in file, exception remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33958752 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400502 |  |  |  | 33871199 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of [Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400507 |  |  |  | 33871390 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33959293 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33871149 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] is duplicate [Redacted]already updated in file, exception remains. |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400525 |  |  |  | 33871440 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] |  | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400528 |  |  |  | 33959464 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400594 |  |  |  | 33959633 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400735 |  |  |  | 34092503 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400739 |  |  |  | 34092323 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400744 |  |  |  | 34093043 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400930 |  |  |  | 34118893 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400935 |  |  |  | 34120448 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted] was supported by [Redacted] $[Redacted] . |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400936 |  |  |  | 34120413 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted] was supported by BPO $[Redacted] |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400940 |  |  |  | 34118927 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400944 |  |  |  | 34118909 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400949 |  |  |  | 34118647 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] |  |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400952 |  |  |  | 34118916 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400959 |  |  |  | 34118938 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted] was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34120477 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted] was supported by [Redacted] $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400963 |  |  |  | 34058008 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400971 |  |  |  | 34092572 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400973 |  |  |  | 34092375 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted] |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400978 |  |  |  | 34093171 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by [Redacted]$[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401066 |  |  |  | 34118928 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by BPO $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400135 |  |  |  | 33918882 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400363 |  |  |  | 33579813 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ | Investor to Order. |  |  |  | Reviewer Comment (2025-07-09): BPO Was Provided and was updated. | X |  |  | 1 B A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400373 |  |  |  | 33578920 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] |  | Investor to provide. |  |  |  | Reviewer Comment (2025-07-09): BPO has been captured in clarity, Exception is cleared. | X |  |  | 1 B A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400422 |  |  |  | 33617020 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ | Stated Value $[Redacted]is Supported by AVM Value $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400504 |  |  |  | 33606519 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-07-09): BPO received in file; Exception cleared. | X |  |  | 1 B A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400525 |  |  |  | 33921023 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400584 |  |  |  | 33920988 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400736 |  |  |  | 33959871 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400747 |  |  |  | 33960003 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400964 |  |  |  | 34092348 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted] was supported by [Redacted] $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400966 |  |  |  | 34093150 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ | PIW value of $[Redacted] is supported by BPO value of $[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400980 |  |  |  | 34092629 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. [Redacted] | Note Date: ___; Lien Position: ___ | Stated value of $[Redacted]was supported by [Redacted]$[Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33539068 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is required to be approved by DU/DO or LP/LPA. [Redacted] |  | LP Accept findings were not provided. |  |  |  | Reviewer Comment (2025-06-13): AUS provided. | X |  |  | 1 D A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400373 |  |  |  | 33871004 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. [Redacted] |  | BPO value of $[Redacted] does not support approval value of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] has been captured in clarity, Exception is cleared. | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400373 |  |  |  | 33921030 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400011 |  |  |  | 32088840 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | LE issued on [Redacted] was received & signed by [Redacted] on [Redacted] |  |  |  | Reviewer Comment (2024-12-06): DTI increased from updated tax and insurance documentation provided for [Redacted], exception remains.<br>Reviewer Comment (2024-12-06): Exception cleared.<br>Seller Comment (2024-12-05): It appears per the [Redacted][Redacted]page [Redacted] that the borrower signed [Redacted], [Redacted]is in EST. Please see attached Trid worksheet and Loan Estimate<br>Seller Comment (2024-12-05): It appears per the Loan Estimate page [Redacted]that the borrower signed PDT, [Redacted] is in EST. Please see attached Trid worksheet and Loan Estimate | X |  |  | 1 B A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400033 |  |  |  | 32998889 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | [Redacted]submitted through ratelock as Safe Harbor QM rather than Exempt from ATR. |  |  |  | Reviewer Comment (2025-03-10): LD is N/A | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400058 |  |  |  | 33143384 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted] based on deal settings. | Loan was submitted through RateLock as Safe Harbor QM (APOR) but should be N/A(Exempt). Please update through RateLock. |  |  |  | Reviewer Comment (2025-04-08): Cleared | X |  |  | 1 B A |  | X | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
|  | GCATINV400164 |  |  |  | 33350268 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted] based on deal settings. | The subject loan was submitted through Ratelock as Safe Harbor QM (APOR) and should have been N/A. |  |  |  | Reviewer Comment (2025-04-29): LD restated | X |  |  | 1 B A |  | X | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
|  | GCATINV400003 |  |  |  | 31239251 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Hazard insurance in file shows the zip code "[Redacted]" and as per Note its "[Redacted]". |  |  |  | Reviewer Comment (2024-09-03): As per address [Redacted] [Redacted] & [Redacted] both are one & the same. No more supporting document required. Exception cleared.<br>Seller Comment (2024-08-29): Please see address affidavit confirming that "[Redacted] "[Redacted] [Redacted]" and "[Redacted] "[Redacted][Redacted]" are one and the same. This is common in "[Redacted], where the legal and mailing addresses often differ. The appraisal is correct as is, as are the hazard binder and note.<br>Seller Comment (2024-08-29): Please see address affidavit confirming that "[Redacted]" and "[Redacted], [Redacted]" are one and the same. This is common in [Redacted], where the legal and mailing addresses often differ. The appraisal is correct as is, as are the [Redacted][Redacted]and [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400017 |  |  |  | 32940691 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted], there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-03-10): RCE provided, exception cleared.<br>Seller Comment (2025-03-10): As per the RCE, dwelling coverage is equal to RCE | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400020 |  |  |  | 32691787 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted] based on loan amount, there was no evidence of insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-01-28): Policy in file reflects dwelling coverage is based off of replacement cost.<br>Seller Comment (2025-01-27): Please see second page of HOI policy. Boxes marked shows replacement cost coverage and expanded replacement cost of [Redacted]% | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400029 |  |  |  | 33020691 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on (loan amount), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-03-20): Received RCE.<br>Seller Comment (2025-03-19): This came from Insurance Agent<br>Reviewer Comment (2025-03-17): Evidence of extended coverage or insurer's estimate of replacement cost is still missing in file. Exception remains.<br>Seller Comment (2025-03-17): The insurance agent provided this to show full coverages ([Redacted] etc) | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400056 |  |  |  | 32941565 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted] based on loan amount there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-03-05): Received RCE<br>Seller Comment (2025-03-03): RCE | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400085 |  |  |  | 33086174 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by [Redacted] based on (loan amount, appraisal value, [Redacted] of value, stated value, you update here), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-01): Coverage amount $[Redacted]is sufficient to cover the Loan Amount of $[Redacted].<br>Seller Comment (2025-03-26): [Redacted]: Conventional loans require the loan amount to be covered. The loan amount is $[Redacted]and $[Redacted]of coverage was provided. The coverage is sufficient. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400116 |  |  |  | 33086436 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by [Redacted] based on (loan amount, appraisal value, [Redacted] of value, stated value, you update here), there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-02): [Redacted] of [Redacted] Cost with [Redacted] Cost Estimate provided, exception cleared<br>Seller Comment (2025-03-31): [Redacted]: Please see attached document.<br>Seller Comment (2025-03-27): [Redacted]: Please see attached doc | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400173 |  |  |  | 33197704 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted], there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-09): Received RCE<br>Seller Comment (2025-04-09): [Redacted] HOI, RCE, [Redacted]<br>Seller Comment (2025-04-09): REV HOI, RCE, PCCD | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400188 |  |  |  | 33275899 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on loan amount; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-22): Blanket policy provided; exception cleared.<br>Seller Comment (2025-04-21): updated master insurance policy<br>Reviewer Comment (2025-04-21): Documentation provided does not show property address as a covered property.<br>Seller Comment (2025-04-17): master insurance policy for attached townhome property ; The HOA covers the building and structures with the master insurance policy. All the client had to cover his contents policy. A contents policy not have to cover any loan amount. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400192 |  |  |  | 33285996 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted], there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-22): [Redacted] provided; exception cleared.<br>Seller Comment (2025-04-21): REPLACEMENT COST ESTIMATOR<br>Seller Comment (2025-04-21): HAZ POLICY showing suff coverage - The[Redacted]and Wind policies have the additional[Redacted] endorsement. I have attached the full wind policy . The endt you are looking for on the wind policy is on page [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400211 |  |  |  | 33287095 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted], there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-04-29): RCE provided; exception cleared.<br>Seller Comment (2025-04-28): RCE<br>Reviewer Comment (2025-04-25): Coverage still insufficient by $[Redacted]based on [Redacted]% of appraisal value of $[Redacted]which required a coverage of $[Redacted]. Replacement cost estimate matching current coverage would also resolve.<br>Seller Comment (2025-04-24): updated insurance information<br>Reviewer Comment (2025-04-21): [Redacted] must equal the lesser of [Redacted] of the insurable value of the improvements, as established by the property insurer; OR the UPB of the mortgage loan, as long as the [Redacted]of the mortgage loan equals at least the minimum amount required to [Redacted] for [Redacted] on a replacement cost basis, which is usually [Redacted] of the insurable value of the improvements.<br>Seller Comment (2025-04-17): [Redacted] coverage reflected | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400222 |  |  |  | 33389849 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on [Redacted]% of appraisal value, there was no evidence of insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-05-05): Replacement cost estimator has been received & additional coverage of $[Redacted]is updated. No shortfall occurs now. Exception cleared.<br>Seller Comment (2025-05-05): Replacement Cost Estimator | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33445960 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage is short $[Redacted] based on [Redacted] % of stated value, no evidence of extended coverage or replacement cost provided. |  |  |  | Reviewer Comment (2025-05-28): Updated HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI Sufficient coverage<br>Reviewer Comment (2025-05-23): Coverage required on Dwelling [Redacted] is insufficient. Other structures is not valid for extended replacement coverage.<br>Seller Comment (2025-05-22): Please see bottom of page [Redacted], Replacement Cost Coverage on dwelling and "other structures "<br>Reviewer Comment (2025-05-20): Insurance coverage must equal the lesser of [Redacted]% of the insurable value of the improvements, as established by the property insurer; OR the UPB of the mortgage loan, as long as the UPB of the mortgage loan equals at least the minimum amount required to compensate for damage or loss on a replacement cost basis, which is usually [Redacted]% of the insurable value of the improvements.<br>Seller Comment (2025-05-19): HOI HAS SUFFICIENT COVERAGE : Dwelling $[Redacted] and Loan Amount is $[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400256 |  |  |  | 33454321 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-05-21): RCE provided, exception cleared.<br>Seller Comment (2025-05-21): Replacement Cost Estimator<br>Reviewer Comment (2025-05-20): Please provide replacement cost estimator.<br>Seller Comment (2025-05-20): Replacement Cost Estimator = [Redacted]<br>Seller Comment (2025-05-20): [Redacted] - Dwelling = to HOI Coverage | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400267 |  |  |  | 33473555 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is short $[Redacted] based on[Redacted]% of appraised value, no evidence of replacement cost provided. |  |  |  | Reviewer Comment (2025-06-11): Received [Redacted] .<br>Seller Comment (2025-06-10): replacement cost summary<br>Seller Comment (2025-06-10): We uploaded the cost to repair which is[Redacted]<br>Reviewer Comment (2025-06-04): Existing policy uploaded, exception remains.<br>Seller Comment (2025-06-04): attached<br>Reviewer Comment (2025-05-28): Estimated replacement cost on appraisal is $[Redacted]and [Redacted]% is $[Redacted]resulting in shortage of $[Redacted].<br>Seller Comment (2025-05-28): The value is [Redacted] and the dwelling is $[Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400270 |  |  |  | 33478735 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted] based on estimated cost new and there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-06-10): Received letter from insurer that policy contains replacement coverage.<br>Reviewer Comment (2025-06-04): Lender provided hazard showing replacement cost as loss settlement method. This does not reflect additional or guaranteed coverage.<br>Seller Comment (2025-06-04): HOI policy evidencing replacement cost<br>Reviewer Comment (2025-05-27): Reponses from insurance states that the policy borrower has "is replacement cost value".<br>Seller Comment (2025-05-23): Please see email from insurance. If there were to be a claim, the policy has [Redacted] % replacement cost.<br>Reviewer Comment (2025-05-21): On provided HOI, Replacement Cost is noted in Loss Settlement type. Per [Redacted], "The property insurance policy must provide for claims to be settled on a replacement cost basis. Property insurance policies that provide for claims to be settled on an actual cash value basis are not acceptable". This is not relevant to coverage amount, it is a type of insurance.<br>Seller Comment (2025-05-21): Please see email from insurance stating HOI policy is a replacement cost policy | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400303 |  |  |  | 33487541 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-05-21): RCE provided, exception cleared.<br>Seller Comment (2025-05-21): Please see email from insurance. Policy has [Redacted]% replacement cost coverage | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400328 |  |  |  | 33498322 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on stated value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-05-27): RCE provided, exception cleared.<br>Seller Comment (2025-05-23): Please see email from insurance. Policy has [Redacted]% replacement cost | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400567 |  |  |  | 33572222 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]based on [Redacted]% of appraisal value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-06-10): Received RCE<br>Seller Comment (2025-06-09): [Redacted]: See attached RCE<br>Reviewer Comment (2025-06-05): Insurance coverage must equal the lesser of [Redacted]% of the insurable value of the improvements, as established by the property insurer; OR the UPB of the mortgage loan as long as the UPB of the mortgage loan equals at least the minimum amount required to compensate for damage or loss on a replacement cost basis, which is usually [Redacted]% of the insurable value of the improvements.<br>Seller Comment (2025-06-05): [Redacted] CW: Insurance coverage was $[Redacted]and loan amount was only $[Redacted], coverage is sufficient. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400612 |  |  |  | 33731758 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted], there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-07-03): RCE provided, exception cleared.<br>Seller Comment (2025-07-02): Hello. Please see the attached RCE. Thank you. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400648 |  |  |  | 33817635 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost estimator is missing. |  |  |  | Reviewer Comment (2025-07-07): Received a replacement cost estimator. Coverage is sufficient.<br>Seller Comment (2025-07-03): [Redacted]Please see attached HOI policy and [Redacted]<br>Seller Comment (2025-07-03): [Redacted]: Please see attached HOI policy and RCE | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32093598 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Missing REO documents. |  |  |  | Reviewer Comment (2024-12-30): Received REO documents.<br>Seller Comment (2024-12-27): [Redacted] [Redacted] - See attached [Redacted]/ [Redacted] [Redacted] - See attached HOI<br>Reviewer Comment (2024-12-27): Received evidence of HOA. Still missing proof of insurance.<br>Seller Comment (2024-12-24): [Redacted]/[Redacted][Redacted]- See attached HOA Dues<br>Reviewer Comment (2024-12-19): Check receipt is not sufficient enough. Please provide printout from HOA or other form of evidence that includes the borrower's name, address and amount of obligated dues. Exception remains.<br>Seller Comment (2024-12-17): [Redacted]CW - See attached check receipt for HOA Dues. [Redacted]is [Redacted]Condo Unit Onwer's Association, Unit number is listed on the check receipt, COA can be found at [Redacted], sharing address with borrower's unit. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32681104 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redacted] for missing REO documents. |  |  |  | Reviewer Comment (2025-01-24): Received REO documents. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325510 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Expenses verified.<br>Seller Comment (2025-05-13): Please close as exception [Redacted] has cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32941890 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing additional [Redacted] statements |  |  |  | Reviewer Comment (2025-03-04): Received asset and income documents.<br>Seller Comment (2025-03-03): Additional statement uploaded | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 33230118 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): REO docs provided.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted] is cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400110 |  |  |  | 33115669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing recent [Redacted] or [Redacted]W[Redacted] for wage income for borrower. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]-[Redacted]W[Redacted] provided | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400116 |  |  |  | 33086475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to verification of business existence document is missing for the [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): VVOEs provided | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400124 |  |  |  | 33117022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insurance document is missing for [Redacted]. properties and missing tax verification for [Redacted] property. |  |  |  | Reviewer Comment (2025-04-02): tax cert provided<br>Seller Comment (2025-03-31): [Redacted]: See attached tax bill. [Redacted]and [Redacted]are vacant land and do not have insurance policies. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400125 |  |  |  | 33090104 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing most recent paystub within [Redacted] business days prior to Note date for co-borrower. (paystub in file dated [Redacted], Note date [Redacted]) |  |  |  | Reviewer Comment (2025-04-02): All income docs provided<br>Seller Comment (2025-03-27): [Redacted] AMB: Please note that this loan is a Conventional Elite loan that was underwritten to DU AUS. [Redacted][Redacted] states that "for all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date. Credit documents include credit reports and employment, income, and asset documentation." The [Redacted] day requirement does not apply to the date of the paystub, it would only be required per line item #[Redacted] from the DU findings if the lender was using bank statements to verify the borrower's employment, however, a VVOE was provided to satisfy this requirement. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400126 |  |  |  | 33086075 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Asset requirement not met. [Redacted]. [Redacted] must come from their own funds however bank statements are not reflecting the source of [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): EMD sourced<br>Seller Comment (2025-03-27): [Redacted]: Please see that the [Redacted] can be seen being wired out of the borrower's [Redacted] [Redacted]on [Redacted], which is also confirmed by the receipt from the title company confirming that they received the [Redacted] funds from the borrower.<br>Seller Comment (2025-03-27): [Redacted]: Please see that the EMD can be seen being wired out of the borrower's [Redacted] [Redacted]on [Redacted], which is also confirmed by the receipt from the title company confirming that they received the EMD funds from the borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400131 |  |  |  | 33117051 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing recent [Redacted] for borrower and co-borrower [Redacted]. Upon receipt of AUS, other conditions may apply. |  |  |  | Reviewer Comment (2025-04-01): Received Year end paystubs for [Redacted]and [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please note that the borrower provided their year-end paystubs for [Redacted]and [Redacted]in lieu of their [Redacted] forms, the year-end paystubs for both borrowers have been uploaded to Loan Exception ID #[Redacted]. This is acceptable per [Redacted]guidelines and the LPA findings that were also provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400177 |  |  |  | 33203329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-04-16): REO docs provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400202 |  |  |  | 33279080 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing REO document. |  |  |  | Reviewer Comment (2025-04-21): REO documentation provided; exception cleared.<br>Seller Comment (2025-04-17): see doc uploaded for HOA dues | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290244 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400241 |  |  |  | 33447593 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-05-21): Received REO documents.<br>Seller Comment (2025-05-20): All documents for [Redacted]<br>Reviewer Comment (2025-05-20): Tax certificate provided is for multiple parcels and doesn't spell out which portion pertains specifically to [Redacted][Redacted]. Please provide evidence of taxes for only the property in question.<br>Seller Comment (2025-05-19): [Redacted]<br>Seller Comment (2025-05-19): [Redacted] PITI | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400257 |  |  |  | 33447026 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-05-23): Corrected [Redacted]provided, exception cleared.<br>Seller Comment (2025-05-22): Corrected [Redacted] removed from Escrow Amt. Escrows included in PITI<br>Reviewer Comment (2025-05-21): Please provide corrected [Redacted]showing $[Redacted]removed.<br>Seller Comment (2025-05-21): $[Redacted] Escrow Amt was put in as error - The ratios are at the higher and still had the approve | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33455118 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400357 |  |  |  | 33513853 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33593779 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to short assets. |  |  |  | Reviewer Comment (2025-06-09): Bank statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see attached main conditions uploaded. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400447 |  |  |  | 33554900 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached invoice from [Redacted][Redacted]Insurance showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted]included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted]monthly.<br>Seller Comment (2025-06-05): [Redacted] [Redacted]: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted]per month and there is still $[Redacted]leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted].<br>Seller Comment (2025-06-03): [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted] per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33574750 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redacted] |  |  |  | Reviewer Comment (2025-06-05): Updated [Redacted]provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] [Redacted]: Insurance on this REO was escrowed and does not need to be individually documented as it is already included in the DTI. Monthly escrow carges are $[Redacted] a month and the borrower's monthly taxes are only $[Redacted]. This is sufficient to show that insurance must also be escrowed. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400477 |  |  |  | 33576032 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redacted] |  |  |  | Reviewer Comment (2025-06-05): Recalculated as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted] For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]YTD average as is required for fluctuating income. For Overtime, the employer confirmed that their busy season is that last [Redacted] months of the year and that's when she gets the most OT. A lower current YTD OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted]year end paystub, she received [Redacted]% of her bonus in December. In [Redacted]she only received $[Redacted]for the March bonus, whereas this year, she received $[Redacted], meaning this income is increasing if anything. A [Redacted]average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33581077 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI and missing REO docs. |  |  |  | Reviewer Comment (2025-06-13): Payoff evidence provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing $[Redacted] balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is [Redacted]%. Variance is due to negative rental income for other REO.<br>Seller Comment (2025-06-10): [Redacted] CW: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted]. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted] CW: Borrower is not obligated on the first mortgage for this property and does not pay the mortgage, taxes, or insurance as they are escrowed. See attached note confirming [Redacted] was the only borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33627696 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-06-18): Received REO documents.<br>Seller Comment (2025-06-18): [Redacted] tm: Please disregard previous comment. Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance.<br>Seller Comment (2025-06-18): [Redacted]: Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33608766 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted] . The [Redacted] bill that was also provided for this property confirms an annual amount of $[Redacted]or monthly $[Redacted]. [Redacted]can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400559 |  |  |  | 33534643 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing required REO expense documentation. |  |  |  | Reviewer Comment (2025-06-02): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the REO documentation uploaded to Loan Exception ID #[Redacted]and #[Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400601 |  |  |  | 33678002 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing VVOE for Co-Borrower. |  |  |  | Reviewer Comment (2025-06-26): Received VVOE dated [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400627 |  |  |  | 33792983 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33804103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Income documents requirement not met. Provided [Redacted]for [Redacted]was not signed and dated. Required most recent [Redacted]for [Redacted]with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted], [Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted]for [Redacted]was not provided for [Redacted] and [Redacted].Third Party Verification of [Redacted] not provided. |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Seller Comment (2025-06-30): [Redacted]: [Redacted].) The borrower's [Redacted][Redacted]are not required to be signed per[Redacted][Redacted], Requirements and Uses of [Redacted] Request for Transcript of Tax Return Form [Redacted] to Form [Redacted]being signed and dated prior to closing. 2.) The borrower's [Redacted][Redacted]are not required per [Redacted] [Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns ([Redacted]) due to the borrower provided form [Redacted]confirming they've filed an extension, and the loan disbursing prior to [Redacted]. 3.) A Verification of Business and complete business tax returns for [Redacted] is not required per [Redacted][Redacted], Verbal Verification of Employment ([Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted] was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400719 |  |  |  | 33804160 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Mortgage statement provided for primary residence shows P&I payment. Tax and insurance documents were not provided to verify payments. |  |  |  | Reviewer Comment (2025-07-03): PITIA for the primary confirmation was provided<br>Seller Comment (2025-07-01): [Redacted]: the attached documentation shows both taxes and insurance are paid from the escrow balance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325508 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([Redacted]: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Expenses verified.<br>Seller Comment (2025-05-13): Please close as exception [Redacted]has cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 33230116 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): REO docs provided.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted]is cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32987340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay [Redacted]: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall to missing REO documents. |  |  |  | Reviewer Comment (2025-03-18): Received REO documents.<br>Reviewer Comment (2025-03-11): Need statement for new HELOC with balance of $[Redacted] as reflected on the final[Redacted]<br>Seller Comment (2025-03-10): statement | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290243 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453185 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall based on missing lease agreements. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400357 |  |  |  | 33513851 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400627 |  |  |  | 33792981 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400002 |  |  |  | 31307674 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall, missing an AUS. |  |  |  | Reviewer Comment (2024-08-16): AUS received and updated in file; Exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400011 |  |  |  | 32090771 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | waterfall for missing taxes and Insurance. |  |  |  | Reviewer Comment (2024-12-06): Taxes and insurance provided; exception cleared.<br>Seller Comment (2024-12-06): [Redacted][Redacted]: Please see attached expenses<br>Seller Comment (2024-12-06): [Redacted]: Please see attached expenses | X |  |  | 1 C A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32125950 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing REO documents. |  |  |  | Reviewer Comment (2024-12-30): Received REO documents.<br>Seller Comment (2024-12-27): [Redacted] - See attached HOI<br>Reviewer Comment (2024-12-27): Received evidence of HOA. Still missing proof of insurance.<br>Seller Comment (2024-12-24): [Redacted] - See attached HOA Dues<br>Reviewer Comment (2024-12-19): [Redacted] receipt is not sufficient enough. Please provide printout from HOA or other form of evidence that includes the borrower's name, address and amount of obligated dues. Exception remains.<br>Seller Comment (2024-12-17): [Redacted] [Redacted]- See attached check receipt for HOA Dues. [Redacted], Unit number is listed on the [Redacted] [Redacted], COA can be found at [Redacted], sharing address with borrower's unit.<br>Reviewer Comment (2024-12-09): Transaction history fails to show owner of account or full account number, and per LPA account statement cover a [Redacted]-[Redacted] period or a direct account verification required.<br>Seller Comment (2024-12-09): [Redacted]- Transaction histories are acceptable as standalone documentation as long as they meet all investor documentation requirements. Identify the financial institution ([Redacted]), Identify the account owner ([Redacted]), Identify the account number, which at a minimum must include the last four digits ([Redacted]), Identify the type of account [Redacted]), Show all transactions (All included for period, evidenced by balance), Show the period covered [Redacted]), Show the ending balance ($[Redacted]), and show any outstanding loans secured by the asset (N/A, you don't take loans against a money market)<br>Reviewer Comment (2024-12-06): [Redacted] [Redacted]statement for # [Redacted] is still missing in file. Exception remains.<br>Seller Comment (2024-12-05): [Redacted] - Document lists "[Redacted]" on the top of the page in the banner | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32681108 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [Redacted]for missing REO documents. |  |  |  | Reviewer Comment (2025-01-24): Received REO documents. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325501 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Required REO documents has been received & attached. Exception cleared.<br>Seller Comment (2025-05-13): Please close as exception [Redacted] has cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400036 |  |  |  | 33035564 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-03-17): [Redacted] property removed from REO section as per confirmation received. Exception cleared.<br>Seller Comment (2025-03-17): Please also clear this Waterfall condition | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400055 |  |  |  | 32944465 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | HOA not provided on REO proprty. |  |  |  | Reviewer Comment (2025-03-04): Received [Redacted]<br>Seller Comment (2025-03-03): HOA | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400057 |  |  |  | 33023069 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing [Redacted] | The representative FICO score is above [Redacted].<br>Borrower has verified disposable income of at least $[Redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-12): Client elects to downgrade based on compensating factors. |  |  | X | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400062 |  |  |  | 33230131 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): Required REO documents has been provided. Exception cleared.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted]is cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32987344 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall to missing REO documents. |  |  |  | Reviewer Comment (2025-03-18): Received [Redacted] documents.<br>Reviewer Comment (2025-03-11): Need statement for new HELOC with balance of $[Redacted] as reflected on the final [Redacted].<br>Seller Comment (2025-03-10): statement | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400068 |  |  |  | 33136719 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to rental income issues. |  |  |  | Reviewer Comment (2025-03-31): Corrected tax & hazard insurance amount captured. Exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400090 |  |  |  | 33113324 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE within [Redacted] days for co-borrower Schedule [Redacted] income per AUS. |  |  |  | Reviewer Comment (2025-04-01): Business license provided<br>Seller Comment (2025-03-31): [Redacted]: Since the co-borrower is a real estate agent. The real estate license was provided to show active as of [Redacted] which is within [Redacted] days of note date.<br>Seller Comment (2025-03-27): [Redacted]: Since the co-borrower is a real estate agent. The real estate license was provided to show active as of [Redacted] which is within [Redacted] of note date. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400102 |  |  |  | 33071865 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Two years [Redacted]-C not provided for co-borrower. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]provided<br>Seller Comment (2025-03-27): [Redacted]CW: See attached [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400105 |  |  |  | 33092248 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Due to missing Paystubs for [Redacted]. |  |  |  | Reviewer Comment (2025-04-01): YTD pay stub provided<br>Seller Comment (2025-03-31): [Redacted] MM: Please see attached document.<br>Seller Comment (2025-03-27): [Redacted] MM: Please see attached paystub | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400110 |  |  |  | 33115665 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing recent [Redacted]or [Redacted][Redacted] for wage income for borrower. |  |  |  | Reviewer Comment (2025-04-01): [Redacted] provided<br>Seller Comment (2025-03-31): [Redacted] MM: Please see attached documents.<br>Seller Comment (2025-03-31): [Redacted]MM: Please see attached documents.<br>Seller Comment (2025-03-27): [Redacted]: Please see attached docs.<br>Seller Comment (2025-03-27): [Redacted] MM: Please see attached docs. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400116 |  |  |  | 33086481 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of business existence document is missing for the business [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): VVOEs provided<br>Seller Comment (2025-04-04): [Redacted]: Please see attached documents with pull date<br>Reviewer Comment (2025-04-02): There is no pull date on the business searches to confirm within [Redacted]days prior to closing.<br>Seller Comment (2025-03-31): [Redacted]: Please see attached document. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400124 |  |  |  | 33117023 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Insurance document is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): tax cert provided. Land only for the other REOs, HOI not required.<br>Seller Comment (2025-03-31): [Redacted]: See attached tax bill. [Redacted]and [Redacted]are vacant land and do not have insurance policies. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400125 |  |  |  | 33090108 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Paystub in file for co-borrower dated [Redacted], missing YTD paystub within [Redacted] business days of Note date as required. |  |  |  | Reviewer Comment (2025-04-02): All income docs provided<br>Seller Comment (2025-03-27): [Redacted] [Redacted] [Redacted] : Please note that this loan is a Conventional Elite loan that was underwritten to[Redacted] . [Redacted] [Redacted] states that "for all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date. Credit documents include credit reports and employment, income, and asset documentation." The [Redacted] day requirement does not apply to the date of the paystub, it would only be required per line item #[Redacted] from the DU findings if the lender was using bank statements to verify the borrower's employment, however, a VVOE was provided to satisfy this requirement. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400131 |  |  |  | 33117053 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing recent [Redacted] for borrower and co-borrower wage income. Upon receipt of [Redacted], other conditions may apply. |  |  |  | Reviewer Comment (2025-04-01): Received Year end paystubs for [Redacted]and [Redacted], exception cleared.<br>Seller Comment (2025-03-27): Attaching documentation.<br>Seller Comment (2025-03-27): [Redacted]: Please note that the borrower provided their year-end paystubs for [Redacted]and [Redacted]in lieu of their [Redacted] forms, the year-end paystubs for both borrowers have been attached below. This is acceptable per [Redacted]guidelines and the LPA findings that were also provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400137 |  |  |  | 33112449 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per [Redacted] dated [Redacted] and income requirements for [Redacted], The Work Number was used for income verification dated [Redacted]. This is not in the file. Missing most recent [Redacted]. |  |  |  | Reviewer Comment (2025-04-01): Income not used to qualify, exception cleared<br>Seller Comment (2025-03-28): [Redacted]: See attached income docs, we did not use the [Redacted] to qualify | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400160 |  |  |  | 33142549 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents.<br>Seller Comment (2025-04-08): The CD provided shows that there is no HOI payment on the property, and also documents the annual HOA payment<br> $[Redacted] (=[Redacted] /month) in the Non-Escrowed Property Costs over [Redacted] Year secon on page [Redacted].<br>Reviewer Comment (2025-04-04): Please provide insurance verification and HOA verification.<br>Seller Comment (2025-04-02): Please see pay history and CD for REO property | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400161 |  |  |  | 33142953 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33199729 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400172 |  |  |  | 33199708 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents exception. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400177 |  |  |  | 33202192 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-04-16): REO docs provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400187 |  |  |  | 33275753 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing 10 day VOE. |  |  |  | Reviewer Comment (2025-05-08): Received [Redacted].<br>Seller Comment (2025-05-07): please see documents uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400198 |  |  |  | 33277135 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing VOE. |  |  |  | Reviewer Comment (2025-04-22): Received updated AUS and[Redacted]removing b[Redacted]s income.<br>Seller Comment (2025-04-18): please see conditions uploaded removing B2s income | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400202 |  |  |  | 33279084 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO document. |  |  |  | Reviewer Comment (2025-04-21): REO documentation provided; exception cleared.<br>Seller Comment (2025-04-17): see doc uploaded for [Redacted] dues | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290251 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400241 |  |  |  | 33447588 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-05-21): Received REO documents.<br>Seller Comment (2025-05-20): All documents for [Redacted]<br>Reviewer Comment (2025-05-20): Tax certificate provided is for multiple parcels and doesn't spell out which portion pertains specifically to [Redacted]. Please provide evidence of taxes for only the property in question.<br>Seller Comment (2025-05-19): [Redacted] PITI<br>Seller Comment (2025-05-19): [Redacted]<br>Seller Comment (2025-05-19): [Redacted] PITI | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400243 |  |  |  | 33447488 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third Party Verification of Self-Employment dated within 120 days prior to Note date is missing. |  |  |  | Reviewer Comment (2025-05-23): Business listing provided, exception cleared.<br>Seller Comment (2025-05-21): all pearl docs<br>Reviewer Comment (2025-05-20): Please provide third party verification of employment for [Redacted]<br>Seller Comment (2025-05-20): Business look up stamped | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33446934 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing new [Redacted] lien. |  |  |  | Reviewer Comment (2025-05-27): REO docs provided, exception cleared.<br>Seller Comment (2025-05-27): Max HELOC payment included in DU Findings<br>Reviewer Comment (2025-05-23): Please provide proof of P&I payments.<br>Seller Comment (2025-05-22): New HELOC on primary for funds to close<br>Reviewer Comment (2025-05-20): Please provide payment amount verification.<br>Seller Comment (2025-05-19): [Redacted] Findings showing the HELOC payment included in ratios | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400257 |  |  |  | 33447029 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-05-23): Corrected [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-22): Corrected [Redacted] $[Redacted] removed from Escrow Amt. Escrows included in PITI<br>Reviewer Comment (2025-05-21): Please provide corrected [Redacted]showing $[Redacted] removed.<br>Seller Comment (2025-05-21): $[Redacted]Escrow Amt was put in as error - The ratios are at the higher and still had the approve | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453163 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Lease Agreements for REO properties on [Redacted] and [Redacted] are missing. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] agreements provided, exception cleared.<br>Seller Comment (2025-05-20): granite lease<br>Seller Comment (2025-05-20): [Redacted] lease | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400276 |  |  |  | 33488784 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | AUS condition [Redacted] used asset report to verify employment. Based on [Redacted] asset report date, close-by date was [Redacted]. Since loan closed [Redacted], a new employment verification is required. |  |  |  | Reviewer Comment (2025-05-21): VVOE provided, exception cleared.<br>Seller Comment (2025-05-21): [Redacted] uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400281 |  |  |  | 33480977 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall missing REO documents. |  |  |  | Reviewer Comment (2025-05-21): REO documentation provided, exception cleared.<br>Seller Comment (2025-05-21): All REO docs uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400300 |  |  |  | 33491101 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-06-04): HOI provided, exception cleared.<br>Seller Comment (2025-06-04): Primary HOI<br>Reviewer Comment (2025-05-21): Please provide verification of insurance.<br>Seller Comment (2025-05-21): REO doc uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400306 |  |  |  | 33490343 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-21): CD provided, exception cleared.<br>Seller Comment (2025-05-21): Final CD uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400307 |  |  |  | 33488857 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-21): CD provided, exception cleared.<br>Seller Comment (2025-05-21): REO doc uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400349 |  |  |  | 33510903 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing income documents. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-04): Client downgraded based on compensating factors.<br>Reviewer Comment (2025-07-31): Cleared in error.<br>Reviewer Comment (2025-07-30): Investor waived with verified compensating factors.<br>Reviewer Comment (2025-06-04): Exception [Redacted]was cleared in error and replaced with new exception [Redacted], only post close verification was provided.<br>Seller Comment (2025-06-04): Can you please clear this as well since income doc has been cleared on other line item? thanks |  |  | X | 2 C B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400352 |  |  |  | 33513437 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to REO documentation. |  |  |  | Reviewer Comment (2025-06-02): HOI provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400355 |  |  |  | 33506563 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing VOE. |  |  |  | Reviewer Comment (2025-06-02): Received VVOE | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400357 |  |  |  | 33513825 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing required REO documents. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400411 |  |  |  | 33610575 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400415 |  |  |  | 33628630 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-13): Closing disclosure provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] tm: attached | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400437 |  |  |  | 33541641 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing required REO expense documentation. |  |  |  | Reviewer Comment (2025-06-03): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]: Please see that the respective documentation and responses were uploaded to each condition. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534428 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO and income documents. |  |  |  | Reviewer Comment (2025-06-17): Insurance verification provided, exception cleared.<br>Reviewer Comment (2025-06-16): Still missing REO documents for [Redacted][Redacted]st Street<br>Seller Comment (2025-06-16): [Redacted]AD: Please see attached main conditions uploaded.<br>Reviewer Comment (2025-06-02): Please provide missing REO documentation.<br>Seller Comment (2025-06-02): [Redacted]AD: Please see main condition uploaded. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400440 |  |  |  | 33564241 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing income worksheet for subject property. |  |  |  | Reviewer Comment (2025-06-04): Worksheet provided, exception cleared.<br>Seller Comment (2025-06-04): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400447 |  |  |  | 33554872 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO docs. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted] [Redacted]: Please see attached invoice from [Redacted] showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted]included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted]monthly.<br>Seller Comment (2025-06-05): [Redacted] NR: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted]per month and there is still $[Redacted]leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of [Redacted] The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted] [Redacted].<br>Seller Comment (2025-06-03): [Redacted] NR: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted] [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33574716 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO docs. |  |  |  | Reviewer Comment (2025-06-05): Updated[Redacted] provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted]: Insurance on this REO was escrowed and does not need to be individually documented as it is already included in the DTI. Monthly escrow carges are $[Redacted]a month and the borrower's monthly taxes are only $[Redacted]. This is sufficient to show that insurance must also be escrowed. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400459 |  |  |  | 33593858 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-06-10): HOI provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted]: Please see the attached documentation for [Redacted]. The monthly insurance payment of $[Redacted]plus the monthly tax amount of $[Redacted]equals the escrowed amount of $[Redacted]documented for the property. The escrow includes both taxes and insurance, and the DTI is eligible as is. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400461 |  |  |  | 33627805 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-27): Received REO documents.<br>Seller Comment (2025-06-25): [Redacted] tm: Please proceed under the assumption that ONLY the HOI for the REO is escrowed ($[Redacted]is more than sufficient to cover a monthly HOI expense). The taxes have been added to the DTI calculation and an updated AUS run / [Redacted]has been provided.<br>Reviewer Comment (2025-06-19): Please provide verification of insurance expense.<br>Seller Comment (2025-06-18): [Redacted]: Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400468 |  |  |  | 33592076 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-09): Mortgage statement provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400477 |  |  |  | 33576045 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-05): Recalculated as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted] [Redacted]: For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]+YTD average as is required for fluctuating income. For Overtime, the employer confirmed that their busy season is that last [Redacted] months of the year and that's when she gets the most OT. A lower current YTD OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted] year end paystub, she received [Redacted]% of her bonus in [Redacted]. In [Redacted]she only received $[Redacted] for the [Redacted] bonus, whereas this year, she received $[Redacted], meaning this income is increasing if anything. A [Redacted]average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33581101 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to DTI and missing REO docs. |  |  |  | Reviewer Comment (2025-06-13): Payoff evidence provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing $[Redacted] balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is [Redacted]%. Variance is due to negative rental income for other REO.<br>Seller Comment (2025-06-10): [Redacted]: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted] Neighborhood Association. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted]: Insurance is escrowed and does not need to be individually documented. This expense is included with the mortgage payment. See mortgage statement lists an "[Redacted]" [Redacted] amount. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400485 |  |  |  | 33629271 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing tax returns. |  |  |  | Reviewer Comment (2025-06-13): Exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400509 |  |  |  | 33627683 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-06-18): Received REO documents.<br>Seller Comment (2025-06-18): [Redacted] tm: Please disregard previous comment. Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance.<br>Seller Comment (2025-06-18): [Redacted]: Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted] confirming a sufficient monthly escrow payment to include both taxes and insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400517 |  |  |  | 33615377 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-06-12): HELOC agreement provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: See attached approval and heloc agreement | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400520 |  |  |  | 33608749 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted]: Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted]. The tax bill that was also provided for this property confirms an annual amount of $[Redacted]or monthly $[Redacted]. [Redacted]can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400555 |  |  |  | 33549705 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents and most current year [Redacted]exceptions. |  |  |  | Reviewer Comment (2025-06-10): Received reo documents and [Redacted].<br>Seller Comment (2025-06-09): [Redacted] TT: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400559 |  |  |  | 33534637 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing required REO expense documentation. |  |  |  | Reviewer Comment (2025-06-02): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached HOA, HOI, and property taxes documentation for the REO property at [Redacted]0 [Redacted].<br>Seller Comment (2025-06-02): [Redacted] AMB: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached HOA, HOI, and property taxes documentation for the REO property at [Redacted]<br>Seller Comment (2025-06-02): [Redacted] AMB: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the attached HOA, HOI, and property taxes documentation for the REO property at 2580 [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400592 |  |  |  | 33675609 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Rental income was overstated for [Redacted], it is single family primary residence so income is calculated as boarder income from tax returns rather than from lease. |  |  |  | Reviewer Comment (2025-07-15): Updated rental income, exception cleared.<br>Seller Comment (2025-07-11): UW comments in rental income<br>Seller Comment (2025-07-11): [Redacted]properties<br>Seller Comment (2025-07-11): . I am attaching the documents here as well. Sched E which highlights [Redacted] [Redacted] as a multifamily and [Redacted] guidelines showing it doesn't matter what the property type is for properties that are not our subject. <br>[Redacted] would only apply if it were the subject property. I uploaded [Redacted] guidelines for other REO property types. It doesn't matter what the property is especially if it is being reported on the tax returns.<br>Reviewer Comment (2025-07-09): Rental income was overstated for [Redacted], it is single family primary residence so income is calculated as boarder income from tax returns rather than from lease.<br>Seller Comment (2025-07-07): UW comments on income and updated [Redacted]<br>Reviewer Comment (2025-07-07): [Redacted]response indicates other income was IRA distribution of $[Redacted], however [Redacted]indicates income was $[Redacted]. Please provide corrected [Redacted]and verification to support IRA distribution for further review.<br>Seller Comment (2025-07-03): [Redacted] retirement includes his pension letter and IRA distributions of $[Redacted]. The Fidelity statement is in the asset section because we are using that for verified assets as well. <br> I did back out [Redacted] months of distributions and had a notation on the statement for use of the remaining assets. <br>So [Redacted] total retirement is his pension of $[Redacted] Per award letter([Redacted]+[Redacted]=$[Redacted]) plus IRA distribution of $[Redacted]= $[Redacted]<br>He has received $[Redacted] yr to date from his IRA through [Redacted] which supports regular monthly distributions of $[Redacted]. ([Redacted]/[Redacted]=[Redacted])<br>His retirement is entered as $[Redacted].<br>Seller Comment (2025-07-02): Updated LPA, let me know if anything needs to be addressed<br>Seller Comment (2025-07-02): [Redacted]income was broken down as <br> [Redacted]: Government pension per award letter $[Redacted]+[Redacted]=[Redacted]and [Redacted]: IRA distributions $[Redacted]see IRA statement in file<br>[Redacted]income was broken down as<br> [Redacted]- employment- see income worksheet in file base plus OT. $[Redacted]+[Redacted]= $[Redacted].<br>Reviewer Comment (2025-07-02): [Redacted]missing $[Redacted] "other" and [Redacted] overtime income $[Redacted] on [Redacted] was not supported.<br>Seller Comment (2025-07-02): Please advise of review.<br>Seller Comment (2025-06-30): updated [Redacted]<br>Seller Comment (2025-06-30): See [Redacted]<br>Reviewer Comment (2025-06-27): No new LP findings are evident as noted in lender's comment. Can you please provide the updated AUS and [Redacted]as noted thanks.<br>Seller Comment (2025-06-26): [Redacted]<br>Seller Comment (2025-06-26): UW rental info<br>Seller Comment (2025-06-26): UW income info | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400596 |  |  |  | 33733201 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-07-07): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | GCATINV400601 |  |  |  | 33677991 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The VVOE was dated [Redacted] which was not within[Redacted] business days of[Redacted] closing. |  |  |  | Reviewer Comment (2025-06-26): Received [Redacted] dated [Redacted]<br>Seller Comment (2025-06-25): Please see the attached VVOE. Thank you. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400613 |  |  |  | 33789196 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-07-01): Received REO documents.<br>Seller Comment (2025-06-30): REO docs uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400624 |  |  |  | 33790406 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-07-01): Received evidence of HOA | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400627 |  |  |  | 33792941 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400629 |  |  |  | 33737802 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-07-02): Received taxes, exception cleared.<br>Seller Comment (2025-07-02): [Redacted] [Redacted]: Please see provided open lien report that shows the tax amount. Since the tax amount is less than the escrow amount we can assume that both taxes and HOI are escrowed.<br>Seller Comment (2025-06-26): [Redacted] MM: Please see provided open lien report that shows the tax amount. Since the tax amount is less than the escrow amount we can assume that both taxes and HOI are escrowed. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400655 |  |  |  | 33763779 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-07-02): Received taxes, exception cleared.<br>Seller Comment (2025-06-26): [Redacted] - : Please see the attached tax bill. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400684 |  |  |  | 33804104 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to Income documents requirement not met. Provided [Redacted] for [Redacted] was not signed and dated. Required most recent [Redacted] for [Redacted] with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted], [Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted] for [Redacted] was not provided for [Redacted] and I[Redacted].Third Party Verification of [Redacted]. not provided. |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Seller Comment (2025-06-30): [Redacted]- [Redacted] The borrower's [Redacted]e not required to be signed per[Redacted][Redacted]Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form [Redacted] [Redacted] to Form[Redacted] being signed and dated prior to closing. [Redacted]he borrower's[Redacted]are not required per [Redacted][Redacted][Redacted] Allowable Age of Credit Documents and Federal Income Tax Returns ([Redacted] due to the borrower provided form [Redacted]confirming they've filed an extension, and the loan disbursing prior to[Redacte[Redacted][Redacted].) A Verification of Business and complete business tax returns fo[Redacted]Inc is not required per[Redacted][Redacted]Verbal Verification of Employment ([Redacted]ue to no income from this business being considered for qualification. A monthly self-employment loss of [Redacted] was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio.<br>Seller Comment (2025-06-30): [Redacted]: A Verification of Business for [Redacted][Redacted][Redacted][Redacted]is not required per [Redacted], Verbal Verification of Employment ([Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted]was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400688 |  |  |  | 33804106 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage statement provided lists escrows as "Taxes and/or Insurance" with no further clarification of which expense or expenses are escrowed. Tax Verification document was not provided to verify the escrowed amount was sufficient for expenses. |  |  |  | Reviewer Comment (2025-07-08): Received tax bill, exception cleared.<br>Reviewer Comment (2025-07-07): Tax verification provided is not dated, need to document the taxes were verified by the lender prior to consummation.<br>Seller Comment (2025-07-03): [Redacted] TT: please see attached<br>Reviewer Comment (2025-07-02): Tax verification provided is dated post closing, need to document the taxes were verified by the lender prior to consummation.<br>Seller Comment (2025-06-30): [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400695 |  |  |  | 33804125 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage statement for property at [Redacted] |  |  |  | Reviewer Comment (2025-07-03): Payment provided<br>Seller Comment (2025-07-01): [Redacted] tm: attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400719 |  |  |  | 33804161 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage statement provided for primary residence shows P&I payment. Tax and insurance documents were not provided to verify payments. |  |  |  | Reviewer Comment (2025-07-03): PITIA for the primary confirmation was provided<br>Seller Comment (2025-07-01): [Redacted] [Redacted]: The attached documentation shows both taxes and insurance are paid from the escrow balance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400002 |  |  |  | 31270447 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Waterfall, missing an AUS. |  |  |  | Reviewer Comment (2024-09-03): WVOE received in file; Exception cleared.<br>Seller Comment (2024-08-30): WVOE's<br>Reviewer Comment (2024-08-28): Per DU, we require most recent available [Redacted] reflecting information for the most recent expected period by both the borrowers within [Redacted] [Redacted] [Redacted] prior to the note [Redacted] OR WVOE document which should include [Redacted] earnings. Exception remains.<br>Seller Comment (2024-08-27): Please clear exception. AUS was already provided.<br>Seller Comment (2024-08-26): AUS | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400198 |  |  |  | 33280044 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Co-borrower family owned employment with [Redacted] is missing VOE. |  |  |  | Reviewer Comment (2025-04-22): Received updated AUS and [Redacted] removing [Redacted]'s income.<br>Seller Comment (2025-04-18): please see conditions uploaded removing B[Redacted]s income | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400212 |  |  |  | 33290096 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400217 |  |  |  | 33277324 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing copy of [Redacted] UW income analysis worksheet. |  |  |  | Reviewer Comment (2025-03-12): Received Income calculation worksheet. Exception Cleared<br>Buyer Comment (2025-03-11): Income Calculations | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400349 |  |  |  | 33510901 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] self employment third party verification not provided. |  |  |  | Reviewer Comment (2025-06-04): duplicate exception<br>Reviewer Comment (2025-06-02): Please provide third party verification dated prior to note date.<br>Seller Comment (2025-05-30): Correct [Redacted] party source<br>Reviewer Comment (2025-05-30): Please provide third party verification for [Redacted]. TPV for The [Redacted] keeps being provided.<br>Seller Comment (2025-05-29): This was attached to VOE, otherwise please advise what is acceptable source.<br>Seller Comment (2025-05-29): The [Redacted] secretary of State isn't a satisfactory source?<br>Reviewer Comment (2025-05-27): Please provide third party verification for [Redacted].<br>Seller Comment (2025-05-27): VOE for SE | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400349 |  |  |  | 33572060 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | [Redacted] self employment third party verification not provided. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-04): Client downgraded based on compensating factors.<br>Reviewer Comment (2025-07-31): Downgraded at client request.<br>Reviewer Comment (2025-07-31): Cleared in error.<br>Reviewer Comment (2025-07-30): Investor waived with verified compensating factors.<br>Reviewer Comment (2025-06-04): Exception [Redacted] was cleared in error and replaced with new exception [Redacted], only post close verification was provided.<br>Seller Comment (2025-06-04): VOE was cleared on other line item, can you please clear this as well? thanks |  |  | X | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33534449 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | AUS condition [Redacted]requires [Redacted] years of W[Redacted]s for [Redacted]nd job. Only [Redacted]provided. |  |  |  | Reviewer Comment (2025-06-02): Secondary job excluded, exception cleared.<br>Reviewer Comment (2025-06-02): Secondary job excluded, missing REO documentation resulting in [Redacted] issue.<br>Seller Comment (2025-06-02): [Redacted]: Please see attached response.<br>Seller Comment (2025-06-02): [Redacted] AD: Please see attached response. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400485 |  |  |  | 33629212 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | AUS required [Redacted] years business and personal returns for [Redacted]. [Redacted], [Redacted] transcripts and [Redacted][Redacted]and [Redacted] were provided. Missing [Redacted]personal and business or [Redacted] business. |  |  |  | Reviewer Comment (2025-06-13): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted] CW: AUS findings state "If the business has been in existence five years or more, provide individual and business tax returns for the most recent year. If the business has been in existence for less than five years, provide individual and business tax returns for the most recent two years.". Borrower's business has been in existence since [Redacted], so only 1 year of tax returns is required. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400555 |  |  |  | 33549722 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | AUS requires most current year [Redacted] for all wage earners, both borrower and co-borrower is missing[Redacted] [Redacted] for current employer. |  |  |  | Reviewer Comment (2025-06-10): Received[Redacted]<br>Seller Comment (2025-06-09): [Redacted] TT: please see attached<br>Seller Comment (2025-06-09): [Redacted]: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400592 |  |  |  | 33675480 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Award letter for pension income is missing for [Redacted] |  |  |  | Reviewer Comment (2025-07-09): Income excluded.<br>Seller Comment (2025-07-07): UW comments on income and updated [Redacted]<br>Reviewer Comment (2025-07-07): Lender response indicates other income was IRA distribution of $[Redacted], however [Redacted] indicates income was $[Redacted]. Please provide corrected [Redacted]and verification to support IRA distribution for further review.<br>Seller Comment (2025-07-03): Johs retirement includes his pension letter and IRA distributions of $[Redacted]. The Fidelity statement is in the asset section because we are using that for verified assets as well. <br> I did back out [Redacted]months of distributions and had a notation on the statement for use of the remaining assets. <br>So [Redacted]s total retirement is his pension of $[Redacted]Per award letter([Redacted]+[Redacted]=$[Redacted]) plus IRA distribution of $[Redacted]= $[Redacted]<br>He has received $[Redacted]yr to date from his IRA through April which supports regular monthly distributions of $[Redacted]. ([Redacted]/[Redacted]=[Redacted])<br>His retirement is entered as $[Redacted].<br>Reviewer Comment (2025-07-02): Borrower [Redacted] fixed income includes $[Redacted] other, only $[Redacted] annuity was verified.<br>Seller Comment (2025-07-02): Please advise how review is coming.<br>Seller Comment (2025-06-30): updated [Redacted]<br>Seller Comment (2025-06-30): See lpa<br>Reviewer Comment (2025-06-27): No new LP findings are evident as noted in lender's comment. Can you please provide the updated AUS and [Redacted]as noted thanks.<br>Seller Comment (2025-06-27): How is this review coming?<br>Seller Comment (2025-06-25): rental explanation<br>Seller Comment (2025-06-25): Updated LPA findings and updated [Redacted]. Also explanation regarding correct income to be used. Soc Sec and VA were entered in error. using govt pension, [Redacted]<br>Seller Comment (2025-06-25): Updated LPA findings and updated [Redacted]. Also explanation regarding correct income to be used. Soc Sec and VA were entered in error. using govt pension, IRA distributions for [Redacted]<br>Seller Comment (2025-06-25): Updated [Redacted] findings and updated [Redacted]. Also explanation regarding correct income to be used. Soc Sec and [Redacted] were entered in error. using govt pension, [Redacted] distributions for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400684 |  |  |  | 33796059 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification of [Redacted]. not prvided. |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Seller Comment (2025-06-30): [Redacted]: A Verification of Business for [Redacted] is not required per [Redacted] [Redacted], Verbal Verification of Employment ([Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted]was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400732 |  |  |  | 33791378 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The verbal verification of employment was missing the Source used to obtain Phone #/Address. Please provide evidence of the source for review. |  |  |  | Reviewer Comment (2025-06-09): Updated VVOE received with phone number. Exception cleared.<br>Buyer Comment (2025-06-09): Please see the screen shot attached from our internal underwriting system, confirming [Redacted]as the source used to obtain the phone number for the [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400752 |  |  |  | 33941083 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A recent paystub or other acceptable alternate documentation verifying Co-Borrower's YTD earnings at Attentive Home Care is required. Income to be calculated upon receipt. |  |  |  | Reviewer Comment (2025-06-23): Upon the receipt of updated paystub received for previous employment, exception has been cleared.<br>Buyer Comment (2025-06-20): Please see the attached paystub. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400773 |  |  |  | 33941105 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the third-party verification of employment for the S Corp income. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): Received Third party verification document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see the attached active medical license and online verification of the doctors office the client operates under N[Redacted][Redacted]<br>Buyer Comment (2025-06-18): Please see the attached active medical license and online verification of the [Redacted] the client operates under [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400783 |  |  |  | 33941118 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification for the C-Corp was not timestamped. Please provide evidence of when the lender obtained the verification for review. |  |  |  | Reviewer Comment (2025-06-19): Received Third party verification document with Time Stamp. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see attached confirming the timestamp of the verification. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400786 |  |  |  | 33941122 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing the borrower's W[Redacted]. Please provide for review. |  |  |  | Reviewer Comment (2025-06-18): [Redacted]received for the year [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached [Redacted] w[Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400902 |  |  |  | 34007340 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification for both [Redacted] and [Redacted] were missing. |  |  |  | Reviewer Comment (2025-07-17): Provided Third Party Verification Documents for [Redacted]<br>Buyer Comment (2025-07-16): Please see the attached third party proof of the clients businesses. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401035 |  |  |  | 34049716 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide evidence of the date of the internet search for the Third Party Verification of the borrower's S-Corp business entity. The document in file is dated [Redacted] which is prior to the current date. |  |  |  | Reviewer Comment (2025-06-30): Received screen shot of Third Party Verification of the borrower's[Redacted] Exception cleared.<br>Buyer Comment (2025-06-27): please see clear copy attached<br>Reviewer Comment (2025-06-27): Received screenshot is not legible. Exception remains<br>Buyer Comment (2025-06-26): please see the screen shot attached<br>Reviewer Comment (2025-06-26): Not received any screenshot to verify document date. Exception remains<br>Buyer Comment (2025-06-25): Please see the screen shot attached showing third party[Redacted] verification for[Redacted] business [Redacted]s was uploaded to our system on [Redacted]. The verification would not have been completed prior to application on [Redacted] Please use this as verification it was completed within [Redacted] days of closing on [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400212 |  |  |  | 33293730 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33293731 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400067 |  |  |  | 33123644 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  | The overlay minimum not met. |  |  |  | Reviewer Comment (2025-03-28): Guides allow minimum loan amount of $[Redacted].<br>Seller Comment (2025-03-27): Our guidelines show our[Redacted]is minimum loan amount of $[Redacted]on Investment properties - please advise | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400070 |  |  |  | 33187653 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  | Investor guideline minimum is $[Redacted]. |  |  |  | Reviewer Comment (2025-04-08): Min per guides is $[Redacted]<br>Seller Comment (2025-04-08): [Redacted] Guidelines for [Redacted]show minimum loan amount of $[Redacted]- please clear condition | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400155 |  |  |  | 33215277 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  | Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-11): Guides allow min loan amount of $[Redacted]<br>Reviewer Comment (2025-04-10): Please add guides for additional review.<br>Seller Comment (2025-04-10): The Guidelines we have for [Redacted] loans show minimum loan amount of $[Redacted]. Please clear this condition | X |  |  | 1 C A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400068 |  |  |  | 33130261 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Based on lender's income worksheets, it appears lender excluded including the tax and insurance expense and offsets for schedule E investment properties [Redacted], [Redacted] and [Redacted] resulting in DTI increase. |  |  |  | Reviewer Comment (2025-03-31): Corrected tax & hazard insurance amount captured. Exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400215 |  |  |  | 33277319 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | YTD [Redacted] income does not support Monthly Average Income used to qualify. For YTD [Redacted] Income Lender used Gross pay from early Dec pay stub but later Dec paystub reflects smaller gross pay. It appears a decrease in base pay occurred, unable to ascertain base base as WVOE not provided. |  |  |  | Reviewer Comment (2025-02-20): Received previous month ([Redacted]) Paystub which support In [Redacted] Borrower pay increased to $[Redacted] to $[Redacted] which leads Lower YTD. Exception Cleared<br>Buyer Comment (2025-02-19): comment from lender: Please see attached paystubs - [Redacted]- [Redacted]received a pay increase in [Redacted] which clarifies why [Redacted]earnings slightly lower. ratios are accurate at [Redacted] - Paystubs verify borrowers pay increase<br>Reviewer Comment (2025-02-17): [Redacted] YTD earning do not support the base earning for the borrower semi-monthly earning so require written verification of employment if borrower is getting any additional commission or bonus. exception remains.<br>Buyer Comment (2025-02-15): Per Lender : The borrower is paid a salary and is an exempt employee guaranteed to be paid [Redacted] simi - monthly. That is [Redacted] a month.<br>Reviewer Comment (2025-02-12): Noted [Redacted] YTD paystub show Semi-monthly income if $[Redacted] leads monthly income of $[Redacted] whereas YTD [Redacted] income of $[Redacted] does not support the monthly income. Lender included All Component in YTD [Redacted] income of $[Redacted] where it must be only $[Redacted] as regular Hrs. Bonuses, Allowance and Awards are not part of base pay income. [Redacted] not provided in the file. Exception Remains<br>Buyer Comment (2025-02-11): Per Lender: looking at the year ending paystub for [Redacted]. The year ending paystub for [Redacted] is [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400055 |  |  |  | 32941791 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [Redacted] statement provided; DU required two months of consecutive statements. |  |  |  | Reviewer Comment (2025-03-04): Received additional month statement<br>Seller Comment (2025-03-03): Additional Asset statement uploaded | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32944326 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [Redacted] statement provided; DU required two months of consecutive statements. |  |  |  | Reviewer Comment (2025-03-04): Received additional month statement<br>Seller Comment (2025-03-03): [Redacted] Statement | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32944329 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [Redacted]statement provided, DU required two months of consecutive statements. |  |  |  | Reviewer Comment (2025-03-04): Received additional month statement<br>Seller Comment (2025-03-03): [Redacted] Statement | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400747 |  |  |  | 33941053 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only March [Redacted] statement was provided |  |  |  | Reviewer Comment (2025-06-20): [Redacted] removed from the transaction. Based on AUS, these were not considered.<br>Buyer Comment (2025-06-19): Please see the attached two months bank statements for the qualifying assets, note the $[Redacted]deposit is sourced from the [Redacted]account check made on [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400084 |  |  |  | 33112379 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The origination credit report tied to the [Redacted] findings is not in the loan file. |  |  |  | Reviewer Comment (2025-04-01): credit report that matches LP provided | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400152 |  |  |  | 33361876 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing primary residence expense verification. |  |  |  | Reviewer Comment (2025-04-30): [Redacted] provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400327 |  |  |  | 33489129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing HOA verification on primary. |  |  |  | Reviewer Comment (2025-05-27): HOA verification provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33506066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33513576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | Unable to determine if there are any guideline deficiencies which could result in a risk to the borrower's ability to repay due to missing information. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400364 |  |  |  | 33584774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-30): Updated [Redacted] provided, exception cleared.<br>Seller Comment (2025-06-26): [Redacted]: Please see attached documents | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400444 |  |  |  | 33618307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing VOR. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Lease agreement and [Redacted] months of checks were included in the loan file along with a letter from the landlord confirming borrower's obligation is $[Redacted]. Borrower's [Redacted]pays the landl[Redacted] ord and the borrower pays her [Redacted] ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted] as well as [Redacted] paying the [Redacted] . | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400565 |  |  |  | 33571949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for missing payoff. |  |  |  | Reviewer Comment (2025-06-05): Discover Settlement provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] CW: See attached, Discover agreed to settle this for $[Redacted] balance is under the $[Redacted] threshold that requires this to be paid off and borrower qualifies with the additional $[Redacted]/month payment associated. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33631577 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Mortgage statements for [Redacted][Redacted] and[Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted]: please see attached final CDs for all [Redacted]REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33506065 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33513575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Unable to determine if there are any guideline deficiencies which could result in a risk to the borrower's ability to repay due to missing information. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400532 |  |  |  | 33544074 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-02): Credit report provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] Please see attached credit report. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33631575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Mortgage statements for [Redacted], [Redacted][Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted] [Redacted]: please see attached final CDs for all [Redacted] REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33631849 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400012 |  |  |  | 32093627 |  | 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. | [Redacted] due to DTI. Lender failed to include HOI for primary residence. |  |  |  | Reviewer Comment (2025-01-03): Updated HOA resulted in DTI within tolerance.<br>Seller Comment (2024-12-31): [Redacted] CW - HOA Dues should be $[Redacted] as documented, but are currently reflecting $[Redacted]. With this corrected, DTI is under [Redacted]%.<br>Reviewer Comment (2024-12-30): Waterfall due to DTI. Lender failed to include HOI for primary residence.<br>Seller Comment (2024-12-27): [Redacted] [Redacted] - See attached HOI[Redacted]<br>Reviewer Comment (2024-12-27): Received evidence of HOA. Still missing proof of insurance.<br>Seller Comment (2024-12-24): [Redacted] [Redacted] - See attached HOA Dues<br>Reviewer Comment (2024-12-19): Check receipt is not sufficient enough. Please provide printout from HOA or other form of evidence that includes the borrower's name, address and amount of obligated dues. Exception remains.<br>Seller Comment (2024-12-17): [Redacted] - See attached check receipt for HOA Dues. [Redacted] is [Redacted], Unit number is listed on the check receipt, [Redacted] can be found at [Redacted], sharing address with [Redacted] unit. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32681132 |  | 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. | [Redacted] for missing REO documents. |  |  |  | Reviewer Comment (2025-01-24): Received REO documents. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325522 |  | 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 missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Expenses verified.<br>Seller Comment (2025-05-13): Please close as exception [Redacted]has cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32941897 |  | 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 missing additional [Redacted] statements |  |  |  | Reviewer Comment (2025-03-04): Received asset and income documents.<br>Seller Comment (2025-03-03): Additional statement uploaded | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 33230199 |  | 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 missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): REO docs provided.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted] is cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400084 |  |  |  | 33112594 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more [Redacted] components, the loan is at QM risk. | The origination credit report tied to the [Redacted] findings is not in the loan file. |  |  |  | Reviewer Comment (2025-04-01): Credit report that matches LP provided<br>Seller Comment (2025-03-26): [Redacted] [Redacted]: attached<br>Seller Comment (2025-03-26): [Redacted]tm: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400110 |  |  |  | 33115682 |  | 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. | Missing recent [Redacted] or [Redacted] [Redacted] for wage income for borrower. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]-[Redacted][Redacted]provided | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400116 |  |  |  | 33086477 |  | 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 verification of business existence document is missing for the business [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): VVOEs provided | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400124 |  |  |  | 33117028 |  | 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. | Insurance document is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): tax cert provided. Land only for the other REOs, HOI not required.<br>Seller Comment (2025-03-31): [Redacted]: See attached tax bill. [Redacted]and [Redacted]are [Redacted] and do not have insurance policies. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400125 |  |  |  | 33090401 |  | 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 missing [Redacted] for co-borrower . [Redacted] in file for co-borrower dated [Redacted], missing [Redacted] within [Redacted] days of Note date as required. |  |  |  | Reviewer Comment (2025-04-02): All income docs provided<br>Seller Comment (2025-03-27): [Redacted] Please note that this loan is a [Redacted] that was underwritten to [Redacted]. [Redacted]states that "for all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date. Credit documents include credit reports and employment, income, and asset documentation."[Redacted]does not apply to the date of the paystub, it would only be required per line [Redacted] from the [Redacted] if the lender was using bank statements to verify the borrower's employment, however, a [Redacted] was provided to satisfy this requirement. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400126 |  |  |  | 33086089 |  | 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 Asset requirement not met. [Redacted]. [Redacted] must come from their own funds however bank statements are not reflecting the [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): EMD sourced<br>Seller Comment (2025-03-27): [Redacted]: Please see that the [Redacted] can be seen being wired out of the borrower's [Redacted] [Redacted]on [Redacted], which is also confirmed by the receipt from the title company confirming that they received the [Redacted] funds from the borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400131 |  |  |  | 33117052 |  | 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. | Missing recent [Redacted] for borrower and co-borrower wage income. Upon receipt of [Redacted], other conditions may apply. |  |  |  | Reviewer Comment (2025-04-01): Received Year end paystubs for [Redacted]and [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please note that the borrower provided their [Redacted] for [Redacted]and [Redacted]in lieu of their [Redacted], the [Redacted] for both borrowers have been uploaded to Loan Exception ID #[Redacted]. This is acceptable per [Redacted]guidelines and the [Redacted] that were also provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400152 |  |  |  | 33359713 |  | 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. | Edited [Redacted] - Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-05-06): exception cleared.<br>Seller Comment (2025-05-05): Please clear this [Redacted]<br>Reviewer Comment (2025-05-01): Updated condition for DTI from updated VOR.<br>Seller Comment (2025-05-01): Please clear this [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400177 |  |  |  | 33203346 |  | 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 missing REO documentation. |  |  |  | Reviewer Comment (2025-04-16): REO docs provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400201 |  |  |  | 33281306 |  | 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 missing REO documents. |  |  |  | Reviewer Comment (2025-04-24): Mortgage statement provided; exception cleared.<br>Seller Comment (2025-04-22): [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400202 |  |  |  | 33279088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General [Redacted] : Based on the loan failing one or more guideline components, the loan is at [Redacted] risk. | Waterfall for missing REO document. |  |  |  | Reviewer Comment (2025-04-21): REO documentation provided; exception cleared.<br>Seller Comment (2025-04-17): see doc uploaded for HOA dues | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290265 |  | 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. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400241 |  |  |  | 33447596 |  | 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 missing REO documentation. |  |  |  | Reviewer Comment (2025-05-21): Received REO documents.<br>Seller Comment (2025-05-20): All documents for [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400257 |  |  |  | 33447032 |  | 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 for missing REO documents. |  |  |  | Reviewer Comment (2025-05-23): Corrected [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-22): Corrected [Redacted] $[Redacted] removed from Escrow Amt. Escrows included in [Redacted]<br>Reviewer Comment (2025-05-21): Please provide corrected [Redacted] showing $[Redacted] removed.<br>Seller Comment (2025-05-21): [Redacted] Amt was put in as [Redacted]- The ratios are at the higher and still had the approve | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33455117 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400327 |  |  |  | 33489142 |  | 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 missing HOA verification on primary. |  |  |  | Reviewer Comment (2025-05-27): HOA verification provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33506110 |  | 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 missing REO documents. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400347 |  |  |  | 33511482 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400357 |  |  |  | 33513884 |  | 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 missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33513795 |  | 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 missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400364 |  |  |  | 33584795 |  | 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 missing REO documents. |  |  |  | Reviewer Comment (2025-06-30): Updated [Redacted]provided, exception cleared.<br>Seller Comment (2025-06-26): [Redacted]: Please see attached documents | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33593778 |  | 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 short assets. |  |  |  | Reviewer Comment (2025-06-09): Bank statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see attached main conditions uploaded. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400444 |  |  |  | 33618318 |  | 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 missing VOR. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Lease agreement and [Redacted] months of checks were included in the loan file along with a letter from the landlord confirming borrower's obligation is $[Redacted]. Borrower's roommate pays the landlord and the borrower pays her roommate ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted] as well as [Redacted] paying the landlord. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400447 |  |  |  | 33554899 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | [Redacted]: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-16): Received [Redacted] documents.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached invoice from [Redacted] showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted]included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted] monthly.<br>Seller Comment (2025-06-05): [Redacted] [Redacted]: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted] per month and there is still $[Redacted] leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted].<br>Seller Comment (2025-06-03): [Redacted] [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted] per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573511 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-06-05): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] CW: See attached updated AUS findings with corrected mortgage payment. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400477 |  |  |  | 33576031 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-06-05): Recalculated as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted] CW: For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]+YTD average as is required for fluctuating income. For Overtime, the employer confirmed that their busy season is that last [Redacted]months of the year and that's when she gets the most OT. A lower current YTD OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted]year end paystub, she received [Redacted]% of her bonus in December. In [Redacted]she only received $[Redacted]for the March bonus, whereas this year, she received $[Redacted], meaning this income is increasing if anything. A [Redacted]average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33581116 |  | 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 DTI and missing REO docs. |  |  |  | Reviewer Comment (2025-06-13): Payoff evidence provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]<br> CW: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing [Redacted]<br> balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is[Redacted]%. Variance is due to negative rental income for other REO.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted]. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33627711 |  | 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 missing REO documentation. |  |  |  | Reviewer Comment (2025-06-18): Received REO documents.<br>Seller Comment (2025-06-18): [Redacted] tm: Please disregard previous comment. Documentation was provided confirming the monthly taxes for the REO are [Redacted]he escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance.<br>Seller Comment (2025-06-18): [Redacted]: Documentation was provided confirming the monthly taxes for the REO are $[Redacted]. The escrow payment is $[Redacted]confirming a sufficient monthly escrow payment to include both taxes and insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33608765 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted]. The tax bill that was also provided for this property confirms an annual amount of $[Redacted] or monthly $[Redacted]. [Redacted] can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400559 |  |  |  | 33534760 |  | 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 missing required REO expense documentation. |  |  |  | Reviewer Comment (2025-06-02): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the REO documentation uploaded to Loan Exception ID [Redacted] and [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400565 |  |  |  | 33572126 |  | 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 for missing payoff. |  |  |  | Reviewer Comment (2025-06-05): Discover Settlement provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] CW: See attached, Discover agreed to settle this for $[Redacted]. $[Redacted]balance is under the $[Redacted]threshold that requires this to be paid off and borrower qualifies with the additional $[Redacted]/month payment associated. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571954 |  | 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 DTI exception. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted]%. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33631822 |  | 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 missing Mortgage statements for [Redacted] ,[Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted]: please see attached final CDs for all [Redacted] missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33580575 |  | 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 DTI. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and [Redacted] income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via Schedule E of the [Redacted] as opposed to the comparable rent schedule due to the gross monthly income from [Redacted]Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject property[Redacted] Net rental income of $-[Redacted]is source of discrepancy. [Redacted]reflects rent of $[Redacted]at 75% is $[Redacted]resulting in net rental income of $-[Redacted].<br>Seller Comment (2025-06-10): [Redacted] - [Redacted]: The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted]. AMC is utilizing net REO negative income of $[Redacted] as opposed to $[Redacted]. Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted]<br> REO PITI(a) - [Redacted] = $[Redacted]<br> Qualifying Subject PITI(a) = $[Redacted]<br> REO Net Rental Income - [Redacted] = $[Redacted]. <br> Credit liabilities = $[Redacted]<br>[Redacted]+ [Redacted]+ $[Redacted]+ [Redacted]+ [Redacted]= $[Redacted]<br>Reviewer Comment (2025-06-06): [Redacted] shows total expense of $[Redacted], Audit shows total expense of $[Redacted]of which $[Redacted]is from higher cost of REO. Unable to determine the additional $[Redacted]expense source. please provide a breakdown of LPA expense amount.<br>Seller Comment (2025-06-06): [Redacted]: Please see the revised [Redacted]and [Redacted]as well.<br>Seller Comment (2025-06-06): [Redacted] - : [Redacted] are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly [Redacted] has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted]: Military Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400595 |  |  |  | 33815518 |  | 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 (2025-07-15): Updated DTI met requirements.<br>Seller Comment (2025-07-14): [Redacted]<br>Seller Comment (2025-07-14): REV [Redacted]<br>Seller Comment (2025-07-14): REV AUS[Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400601 |  |  |  | 33677192 |  | 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 missing VVOE for Co-Borrower. |  |  |  | Reviewer Comment (2025-06-26): Received VVOE dated [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400627 |  |  |  | 33792982 |  | 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 for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33781792 |  | 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 Income documents requirement not met. Provided [Redacted] for [Redacted] was not signed and dated. Required most recent [Redacted] for [Redacted] with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted], [Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted] for [Redacted] was not provided for [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Seller Comment (2025-06-30): [Redacted] -[Redacted][Redacted].) The borrower's [Redacted][Redacted]are not required to be signed per [Redacted] [Redacted], Requirements and Uses of [Redacted] Request for Transcript of Tax Return Form [Redacted] ([Redacted]) to Form [Redacted]being signed and dated prior to closing. 2.) The borrower's [Redacted][Redacted]are not required per [Redacted] [Redacted]-[Redacted]-[Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns ([Redacted]) due to the borrower provided form [Redacted]confirming they've filed an extension, and the loan disbursing prior to [Redacted]. 3.) A Verification of Business and complete business tax returns for [Redacted] is not required per [Redacted] [Redacted], Verbal Verification of Employment ([Redacted]), due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted] was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400719 |  |  |  | 33804163 |  | 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. | Mortgage statement provided for primary residence shows P&I payment. Tax and insurance documents were not provided to verify payments. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] docs provided<br>Seller Comment (2025-07-01): [Redacted]m: the attached documentation shows both taxes and insurance are paid from the escrow balance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400208 |  |  |  | 33277981 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted], LTV/CLTV: [Redacted]%, Credit Score:[Redacted], Occupancy: [Redacted], Purpose: [Redacted], | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-04-22): AUS provided.<br>Seller Comment (2025-04-18): AUS findings | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511706 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], Occupancy: [Redacted], [Redacted]: [Redacted], [Redacted] | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33539192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], [Redacted] | Waterfall missing AUS exception. |  |  |  | Reviewer Comment (2025-06-13): AUS provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400522 |  |  |  | 33613427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing [Redacted]. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], [Redacted] | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-06-12): Received AUS<br>Seller Comment (2025-06-11): [Redacted]tm: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33293733 |  | 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 [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33455116 |  | 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 [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]-B.) | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400347 |  |  |  | 33511481 |  | 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 [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]-B.) | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33581975 |  | 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 [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]) | Primary residence [Redacted] was disclosed with $[Redacted]mortgage payment and $[Redacted]other expense verified as homeowner's association dues. Mortgage in place is a HELOC, nothing was provided to support tax and insurance expenses as escrowed. Taxes were verified from tax return, when added to expenses DTI increased outside tolerance. Hazard insurance expense was not verified, DTI may increase further. |  |  |  | Reviewer Comment (2025-06-13): Payoff evidence provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] CW: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing $[Redacted]balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is [Redacted]%. Variance is due to negative rental income for other REO.<br>Seller Comment (2025-06-10): [Redacted]: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted] Neighborhood Association. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted]<br> CW: Borrower is not obligated on the first mortgage for this property and does not pay the mortgage, taxes, or insurance as they are escrowed. See attached note confirming [Redacted] was the only borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400012 |  |  |  | 32511471 |  | 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 [Redacted] and [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender failed to include HOI for primary residence. |  |  |  | Reviewer Comment (2025-01-03): Updated HOA resulted in DTI within tolerance.<br>Seller Comment (2024-12-31): [Redacted] [Redacted] - [Redacted] should be $[Redacted] as documented, but are currently reflecting $[Redacted]. With this corrected, [Redacted] is under [Redacted]%. | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400124 |  |  |  | 33178650 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Per tax cert for the primary residence, the taxes (monthly) are [Redacted], the total being included into the [Redacted]. |  |  |  | Reviewer Comment (2025-04-08): Updated [Redacted] provided<br>Seller Comment (2025-04-07): [Redacted]: Revised [Redacted] and AUS findings attached | X |  |  | 1 A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400201 |  |  |  | 33281305 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | There is no evidence tax or insurance is included with payment on [Redacted], adding verified expenses results in DTI increase. |  |  |  | Reviewer Comment (2025-04-24): Mortgage statement provided; exception cleared.<br>Seller Comment (2025-04-22): [Redacted] Mtg Statement | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33507968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | [Redacted]QM: The DTI calculated in accordance with the [Redacted][Redacted]and [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Mortgage statement for [Redacted] does not itemize escrows and no hazard verification was provided. Based on worst case scenario assuming only hazard is escrowed and tax paid independently, resulting in DTI increase. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400447 |  |  |  | 33554898 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to [Redacted]. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted]: Please see attached invoice from [Redacted] Family Insurance showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted] included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted] monthly.<br>Seller Comment (2025-06-05): [Redacted] NR: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted]per month and there is still $[Redacted]leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted]NR: Please note that the tax bill confirms the annual amount of [Redacted], and a monthly tax amount of $[Redacted] The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted]<br>Seller Comment (2025-06-03): [Redacted]: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted]can therefore make the determination that the escrow account also includes insurance for the property at [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573470 |  | 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 [Redacted](e) of [Redacted] moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used credit report payment of [Redacted] Mortgage statement for REO property of "[Redacted]" reflects monthly payment of $[Redacted]. Mortgage statement does not itemize escrow, using documented taxes as un-escrowed most conservative approach results in further DTI variance. |  |  |  | Reviewer Comment (2025-06-05): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted]: See attached updated [Redacted]findings with corrected mortgage payment. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400477 |  |  |  | 33576030 |  | 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 [Redacted](e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Lenders income was not supported resulting in DTI increase. Base [Redacted] periods/[Redacted] months is $[Redacted], lender used $[Redacted] . Bonus was noted as declining on [Redacted] and [Redacted] on employer email, year to date/ [Redacted] months was $[Redacted] but lender used prior years average of $[Redacted]. Overtime was also noted as declining on [Redacted] and supported by year end paystubs, calculated overtime of $[Redacted] from [Redacted] but lender used prior years average again of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-05): [Redacted]as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted] CW: For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]+YTD average as is required for fluctuating income. For Overtime, the employer confirmed that their busy season is that last [Redacted]months of the year and that's when she gets the most OT. A lower current YTD OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted] year end paystub, she received [Redacted]% of her bonus in December. In [Redacted]she only received $[Redacted]for the March bonus, whereas this year, she received $[Redacted], meaning this income is increasing if anything. A [Redacted] average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33608764 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Mortgage statement does not itemize escrow, verified tax amount of $[Redacted]and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted]: Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted]. The tax bill that was also provided for this property confirms an annual amount of $[Redacted] or monthly $[Redacted]. [Redacted] can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571539 |  | 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 [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | EDIT [Redacted] DTI difference is due to $[Redacted] HOA fee on [Redacted] and $[Redacted] additional unknown difference in debt. Please provide itemization of $[Redacted] total debt listed on LP approval for further review. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted]%.<br>Reviewer Comment (2025-06-11): Referred to Buyer to review.<br>Seller Comment (2025-06-10): [Redacted] MM: Positive Factors include<br> FICO:[Redacted]<br> No Mtg Lates<br> Borrowers have been employed for[Redacted]<br> The borrower can cover [Redacted]+ months in reserves for this property. <br> Are we able to proceed with the DTI as is.<br>Reviewer Comment (2025-06-10): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: General [Redacted]: The DTI calculated in accordance with the Lenders Guidelines and [Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-06-10): Please provide [Redacted]<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the [Redacted]. [Redacted] is not responsible for the mtg or the HOA dues on this property.<br>Seller Comment (2025-06-09): [Redacted] MM: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] [Redacted] was given to the ex-wife. [Redacted] is not responsible for the mtg or the HOA dues on this property.<br>Reviewer Comment (2025-06-05): DTI difference is due to $[Redacted] HOA fee on [Redacted] additional unknown difference in debt. Please provide itemization of $[Redacted]<br>Seller Comment (2025-06-05): The investor divided rental income by [Redacted]months and [Redacted]divided it by [Redacted]months causing the loss to be $[Redacted]. <br> Positive factors include <br> [Redacted]: [Redacted]<br> Borrowers have been employed for [Redacted] +<br> No [Redacted]Lates | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33580568 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used higher housing allowance income of $[Redacted]for borrower than verified income of $[Redacted]resulting in higher DTI. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and schedule E income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via Schedule E of the [Redacted] [Redacted] as opposed to the comparable rent schedule due to the gross monthly income from [Redacted] Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject property [Redacted] Net rental income of $-[Redacted]is source of discrepancy. [Redacted]reflects rent of $[Redacted]at [Redacted]% is $[Redacted]resulting in net rental income of $-[Redacted].<br>Seller Comment (2025-06-10): [Redacted]: The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted]. [Redacted]is utilizing net REO negative income of $[Redacted]as opposed to $[Redacted]. Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted]<br> REO PITI(a) - [Redacted] = $[Redacted]<br> Qualifying Subject PITI(a) = $[Redacted]<br> REO Net Rental Income - [Redacted] = $[Redacted]. <br> Credit liabilities = $[Redacted]<br>[Redacted]<br>Reviewer Comment (2025-06-06): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-06-06): AUS shows total expense of $[Redacted], Audit shows total expense of $[Redacted]of which $[Redacted]is from higher cost of REO. Unable to determine the additional $[Redacted]expense source. please provide a breakdown of [Redacted]expense amount.<br>Seller Comment (2025-06-06): [Redacted] - [Redacted]: Please see the revised [Redacted]and [Redacted] as well.<br>Seller Comment (2025-06-06): [Redacted] - [Redacted]: Military Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted] and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted] - : Military Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400595 |  |  |  | 33815517 |  | 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 [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-07-15): Updated DTI met requirements.<br>Seller Comment (2025-07-14): REV AUS/[Redacted]/[Redacted]<br>Seller Comment (2025-07-14): REV AUS/[Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400003 |  |  |  | 31241663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing [Redacted], [Redacted], [Redacted], [Redacted]or [Redacted]. | Missing income verification. [Redacted] approval condition allowed the use of [Redacted]-[Redacted] direct asset report verifying receipt however no actual [Redacted] documentation is provided. |  |  |  | Reviewer Comment (2024-08-13): [Redacted] provided.<br>Seller Comment (2024-08-12): income was verified with direct deposits in the bank statement. LP rep and warranted, no additional information required. See bank statements. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400684 |  |  |  | 33781759 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Waterfall due to Income documents requirement not met. Provided [Redacted]for [Redacted]was not signed and dated. Required most recent [Redacted]for [Redacted]with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted]-S, K-[Redacted] for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted]for [Redacted]was not provided for Inspiration [Redacted] |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Seller Comment (2025-06-30): [Redacted] - [Redacted]: [Redacted].) The borrower's [Redacted][Redacted]are not required to be signed per [Redacted] [Redacted], Requirements and Uses of [Redacted]IVES Request for Transcript of Tax Return Form [Redacted]-[Redacted] to Form [Redacted] being signed and dated prior to closing. [Redacted].) The borrower's [Redacted] [Redacted]are not required per[Redacted]B[Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns [Redacted]) due to the borrower provided form [Redacted] confirming they've filed an extension, and the loan disbursing prior to [Redacted]. [Redacted].) A Verification of Business and complete business tax returns for [Redacted] is not required per [Redacted], Verbal Verification of Employment [Redacted] due to no income from this business being considered for qualification. A monthly self-employment loss of $[Redacted]was accounted for, and in event that [Redacted], the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290016 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400679 |  |  |  | 33789538 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify [Redacted] (Less than [Redacted]% Ownership) income using reasonably reliable third-party records. | The file is testing against the standard QM guidelines. Missing the most recent [Redacted] P&L [Redacted] documents to confirm the loss for both [Redacted] income companies. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] guides, S/E income loss that is included and and qualifies with [Redacted] in file, no other documentation is required.<br>Seller Comment (2025-06-30): [Redacted]: Please note that [Redacted] is not using any positive income to qualify the borrower's businesses on Schedule E, and only a conservative loss is being counted. Attached is [Redacted] Guidelines section [Redacted] for self-employment not used for qualification. The seller is not required to obtain any additional documentation to evaluate the income or loss from the self-employment for each borrower who Has a primary source of income, other than self-employment, used for qualifying for the Mortgage (e.g., salaried income from primary employment), and Is self-employed and self-employment income is a secondary source of income. Additional documentation is not required for the loss. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400679 |  |  |  | 33789539 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify [Redacted] income using reasonably reliable third-party records. | The file is testing against the standard QM guidelines. Missing the most recent [Redacted] documents to confirm the loss for both [Redacted]companies. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] is at a loss, used [Redacted] for loss amount<br>Seller Comment (2025-06-30): [Redacted]: Please note that [Redacted] is not using any positive income to qualify the borrower's businesses on Schedule E, and only a conservative loss is being counted. Attached is [Redacted] Guidelines section [Redacted]for self-employment not used for qualification. The seller is not required to obtain any additional documentation to evaluate the income or loss from the self-employment for each borrower who Has a primary source of income, other than self-employment, used for qualifying for the Mortgage (e.g., salaried income from primary employment), and Is self-employed and self-employment income is a secondary source of income. Additional documentation is not required for the loss. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400116 |  |  |  | 33086473 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify [Redacted] status using reasonably reliable third-party records. | Waterfall due to verification of business existence document is missing for the business [Redacted]. |  |  |  | Reviewer Comment (2025-04-18): [Redacted] for both businesses provided prior to note date within [Redacted] days<br>Seller Comment (2025-04-16): [Redacted]: The VOB confirmation form is on the file due to the dates not showing on the document. The documents were pulled and confirmed on [Redacted]. Please see [Redacted] along with attestation of date pulled.<br>Seller Comment (2025-04-16): [Redacted]: The VOB confirmation form is on the file due to the dates not showing on the document. The documents were pulled and confirmed on [Redacted]. Please see VOB along with attestation of date pulled.<br>Reviewer Comment (2025-04-16): The VVOE for [Redacted] in file is a Verification of business form confirmation verifying the business via the Secretary of State on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. The business name search from the [Redacted] does not show a date pulled/searched. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br>The VVOE for [Redacted] is a Verification of business confirmation form verifying the business via the [Redacted] on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br> Need both verification of business searches to be dated [Redacted] per the Verification of business confirmation form.<br>Seller Comment (2025-04-15): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-15): Recevied Verification of business confirmation form, missing the search showing the company data for [Redacted]. Missing the secretary of state search for for [Redacted] showing company data per the verification of business confirmation form. The verification of business confirmation form only will not be sufficient. Per [Redacted] guides: Requirements:<br>The lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date<br>from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or<br>by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance.<br>The lender must document the source of the information obtained and the name and title of the lender's employee who obtained the information.<br>Seller Comment (2025-04-15): [Redacted]: Please see updated document<br>Reviewer Comment (2025-04-14): Need Secretary of State print out for [Redacted]. Inc per the VVOE Source of Verification of business box checked. The VVOE for [Redacted] "Source of Verification of business" box is not checked, need to know how the QC auditor verified VVOE.<br>Seller Comment (2025-04-10): [Redacted]<br>Seller Comment (2025-04-10): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-09): [Redacted] is requiring a verbal VOE prior to the disbursement date.<br>Seller Comment (2025-04-08): [Redacted]: According to the guidelines the lender may obtain the verification of employment after closing, up to the time of loan delivery.<br>Reviewer Comment (2025-04-07): This is due to the business search being post-disbursement dated. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400116 |  |  |  | 33086474 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current [Redacted] status using reasonably reliable [Redacted] records. | Waterfall due to verification of business existence document is missing for the business [Redacted]. |  |  |  | Reviewer Comment (2025-04-18): VVOE for both businesses provided prior to note date within [Redacted] days<br>Seller Comment (2025-04-16): [Redacted]: Attaching the verification of businesses pulled by the underwriting team prior to closing on [Redacted] with an attestation to confirm the date they were pulled.<br>Reviewer Comment (2025-04-16): The [Redacted] for Premium [Redacted] in file is a Verification of business form confirmation verifying the business via the [Redacted] on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. The business name search from the [Redacted] does not show a date pulled/searched. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br>The [Redacted] for [Redacted] is a Verification of business confirmation form verifying the business via the [Redacted] on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br> Need both verification of business searches to be dated [Redacted] per the Verification of business confirmation form.<br>Seller Comment (2025-04-15): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-15): [Redacted], missing the search showing the [Redacted] data for [Redacted]. Missing the [Redacted] search for for [Redacted] showing company data per the verification of [Redacted]. The [Redacted] form only will not be sufficient. Per [Redacted]guides: Requirements:<br>The [Redacted] must verify the existence of the [Redacted] within [Redacted] [Redacted] prior to the note date<br>[Redacted], [Redacted], or the applicable [Redacted], if possible; or<br>by verifying a [Redacted] and address for the borrower's [Redacted], the [Redacted].<br>The [Redacted] must document the source of the information obtained and the name and title of the lender's employee who obtained the information.<br>Seller Comment (2025-04-15): [Redacted]: Please see updated document<br>Reviewer Comment (2025-04-14): Need Secretary of State print out for [Redacted]. Inc per the VVOE Source of Verification of business box checked. The VVOE for [Redacted][Redacted] "Source of Verification of business" box is not checked, need to know how the QC auditor verified VVOE.<br>Seller Comment (2025-04-14): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-09): [Redacted] is requiring a verbal VOE prior to the disbursement date.<br>Seller Comment (2025-04-08): [Redacted]: According to the [Redacted] the lender may obtain the [Redacted] after closing, up to the time of loan delivery.<br>Reviewer Comment (2025-04-07): This is due to the business search being post-disbursement dated. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400208 |  |  |  | 33279357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-04-22): AUS provided.<br>Seller Comment (2025-04-21): AUS Findings | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511693 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33539191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Waterfall missing AUS exception. |  |  |  | Reviewer Comment (2025-06-13): AUS provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400522 |  |  |  | 33613426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-06-12): Received [Redacted]<br>Seller Comment (2025-06-11): [Redacted] tm: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33293732 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall based on missing lease agreements. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33507967 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Mortgage statement for [Redacted] does not itemize escrows and no hazard verification was provided. Based on worst case scenario assuming only hazard is escrowed and tax paid independently, resulting in DTI increase. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571588 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI difference is due to $[Redacted]HOA fee on [Redacted]and $[Redacted]additional unknown difference in debt. Please provide itemization of $[Redacted]total debt listed on LP approval for further review. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted]%.<br>Reviewer Comment (2025-06-10): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-06-10): Please provide divorce decree.<br>Seller Comment (2025-06-09): [Redacted] MM: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the ex-wife. [Redacted] is not responsible for the mtg or the [Redacted] on this property.<br>Seller Comment (2025-06-09): [Redacted]MM: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the [Redacted]. [Redacted]is not responsible for the mtg or the HOA dues on this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33580567 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used higher housing allowance income of $[Redacted] for borrower than verified income of $[Redacted] resulting in higher DTI. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and schedule E income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via Schedule E of the [Redacted][Redacted]as opposed to the comparable rent schedule due to the gross monthly income from [Redacted]Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject property [Redacted] Net rental income of $-[Redacted]is source of discrepancy. [Redacted]reflects rent of $[Redacted]at [Redacted]% is $[Redacted]resulting in net rental income of $-[Redacted].<br>Seller Comment (2025-06-10): [Redacted] -[Redacted]J: The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted]. AMC is utilizing net REO negative income of $[Redacted]Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted]<br> REO PITI(a) - [Redacted]<br> Qualifying Subject PITI(a) = $[Redacted]<br> REO Net Rental Income -[Redacted] = [Redacted]<br> Credit liabilities = [Redacted]<br> [Redacted]<br>Reviewer Comment (2025-06-06): [Redacted] - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2025-06-06): AUS shows total expense of $[Redacted], Audit shows total expense of $[Redacted] of which $[Redacted] is from higher cost of REO. Unable to determine the additional $[Redacted]expense source. please provide a breakdown of LPA expense amount.<br>Seller Comment (2025-06-06): [Redacted] - [Redacted] : Please see the revised [Redacted] and [Redacted] as well.<br>Seller Comment (2025-06-06): [Redacted]: [Redacted] Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted] and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted][Redacted] - [Redacted] : Military Housing Allowances are non-taxable and can be grossed up by [Redacted] %. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400595 |  |  |  | 33676312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used lower cost for [Redacted] than reflected on [Redacted]and REO verification documentation resulting in higher DTI. |  |  |  | Reviewer Comment (2025-07-01): Received evidence of undiscounted rate and price.<br>Reviewer Comment (2025-06-26): Promissory note and tax and insurance verification reflect a monthly payment of $[Redacted] vs Final [Redacted]lender calculated monthly expense of $[Redacted].<br>Seller Comment (2025-06-24): Hi there, could you provide the higher cost for the REO that you are referring to for a DTI of [Redacted]% please? | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511690 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [Redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], Occupancy: Investment, Purpose: Refinance, Cash-out - Other | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400025 |  |  |  | 33325521 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Expenses verified.<br>Seller Comment (2025-05-13): Please close as exception [Redacted] has cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400062 |  |  |  | 33230198 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): [Redacted] docs provided.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted]is cleared | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290264 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400265 |  |  |  | 33453200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall based on missing lease agreements. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33506109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400357 |  |  |  | 33513883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-27): REO documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33513794 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400532 |  |  |  | 33544299 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-02): Credit report provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571953 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall Due to DTI exception. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted]%.<br>Reviewer Comment (2025-06-10): Please provide [Redacted].<br>Seller Comment (2025-06-09): [Redacted] MM: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the [Redacted] [Redacted]is not responsible for the mtg or the HOA dues on this property.<br>Seller Comment (2025-06-09): [Redacted] MM: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted]odd is not responsible for the mtg or the HOA dues on this property.<br>Seller Comment (2025-06-09): [Redacted]: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted]was given to the [Redacted] is not responsible for the mtg or the HOA dues on this property.<br>Seller Comment (2025-06-09): [Redacted]: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the ex-[Redacted]. [Redacted] is not responsible for the mtg or the HOA dues on this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33631821 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing Mortgage statements for [Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted] please see attached final CDs for all [Redacted] REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33631865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33580574 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and schedule E income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via [Redacted] of the [Redacted] as opposed to the comparable rent schedule due to the gross monthly income from [Redacted] Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject property [Redacted] Net rental income of $-[Redacted]is source of discrepancy. [Redacted]reflects rent of $[Redacted]at [Redacted]% is $[Redacted]resulting in net rental income of $-[Redacted].<br>Seller Comment (2025-06-10): [Redacted]- : The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted] [Redacted] Drive. AMC is utilizing net REO negative income of $[Redacted] as opposed to $[Redacted]. Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted] <br> REO PITI(a) - [Redacted] [Redacted] = $[Redacted] <br> Qualifying Subject PITI(a) = [Redacted]<br> REO Net Rental Income - [Redacted] [Redacted] Drive = $[Redacted]<br> Credit liabilities = $[Redacted]<br> [Redacted]+ [Redacted]+ $[Redacted]+ [Redacted] + [Redacted]= $[Redacted]<br>Reviewer Comment (2025-06-06): AUS shows total expense of $[Redacted]Audit shows total expense of $[Redacted] is from higher cost of REO. Unable to determine the additional[Redacted]expense source. please provide a breakdown of LPA expense amount.<br>Seller Comment (2025-06-06): [Redacted] - : Please see the revised [Redacted] and [Redacted] as well.<br>Seller Comment (2025-06-06): [Redacted]J: Military Housing Allowances are non-taxable and can be grossed up by [Redacted]The borrower's monthly housing allowance has been calculated at $[Redacted] and their DTI increased to [Redacted] Please see the attached income worksheet and AUS findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted][Redacted][Redacted][Redacted] are non-taxable and can be grossed up by [Redacted] The borrower's monthly housing allowance has been calculated at [Redacted] and their DTI increased to [Redacted] Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400595 |  |  |  | 33676762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to DTI Issue. |  |  |  | Reviewer Comment (2025-07-01): Received evidence of undiscounted rate and price. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400627 |  |  |  | 33792980 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33290012 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33511689 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400011 |  |  |  | 32088908 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]is in excess of the allowable maximum of the greater of[Redacted] of the Original Loan Amount and [Redacted]. [Redacted]Finance Charge total [Redacted]on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] |  |  |  |  | Reviewer Comment (2024-12-06): [Redacted]rate and price provided; exception cleared.<br>Seller Comment (2024-12-05): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted] higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A B | N/A | N/A | Yes |
|  | GCATINV400096 |  |  |  | 33071511 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] [Redacted]. [Redacted]Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Points and Fees total $[Redacted] vs. an investor allowable total of $[Redacted] for an overage of $[Redacted]. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing. |  |  |  | Reviewer Comment (2025-04-01): Received undiscounted rate and pricing, exception cleared.<br>Seller Comment (2025-03-29): [Redacted] [Redacted] Action Screen - [Redacted] Discount <br> See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted] than [Redacted] which allows for [Redacted] discount to be applied. The Undiscounted Interest [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | N/A | N/A | Yes |
|  | GCATINV400111 |  |  |  | 33085223 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted] Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of the greater of [Redacted] of the Original Loan Amount and [Redacted]. [Redacted] Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted]. | Points and Fees total [Redacted] vs. an investor allowable total of [Redacted] for an overage of [Redacted] |  |  |  | Reviewer Comment (2025-04-10): Received undiscounted rate and price, exception cleared.<br>Seller Comment (2025-04-09): [Redacted] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | N/A | N/A | Yes |
|  | GCATINV400400 |  |  |  | 33604247 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted] of the Original Loan Amount and $[Redacted] [Redacted]Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted] (an overage of $[Redacted] or [Redacted]). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | N/A | N/A | Yes |
|  | GCATINV400411 |  |  |  | 33606052 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
|  | GCATINV400415 |  |  |  | 33624967 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
|  | GCATINV400495 |  |  |  | 33563377 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
|  | GCATINV400691 |  |  |  | 33781613 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]. [Redacted]Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] (an overage of $[Redacted] or [Redacted]%. | File is missing undiscounted interest rate and undiscounted rate price to determine if any of the points can be considered bona fide and excluded from testing. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
|  | GCATINV400696 |  |  |  | 33781681 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted][Redacted]). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | N/A | N/A | Yes |
|  | GCATINV400714 |  |  |  | 33782917 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
|  | GCATINV400964 |  |  |  | 34049417 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations. | File only contains the flood insurance application and not the flood insurance policy. Upon receipt of the flood policy, additional conditions may apply. |  |  |  | Reviewer Comment (2025-06-30): Flood insurance declarations page received. Exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400017 |  |  |  | 32940668 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City name on Note is [Redacted] and as per Flood Cert its [Redacted] |  |  |  | Reviewer Comment (2025-03-08): Received flood cert with corrected address.<br>Seller Comment (2025-03-07): flood cert<br>Reviewer Comment (2025-03-06): Please provide flood cert with correct address.<br>Seller Comment (2025-03-05): [Redacted][Redacted]is an unincorporated community within [Redacted]. [Redacted] and [Redacted]springsd are one in the same. Per Title This is in [Redacted]. That is the legal town, the documents will be recorded in the Town of [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400226 |  |  |  | 33360019 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The only documentation in the file from title was a Please provide the Final Closing Disclosure evidencing PITIA in the amount of $[Redacted] and payoff of the existing mortgage, for the recent refinance with [Redacted].-month chain of title. Please provide the full preliminary title policy for review. |  |  |  | Reviewer Comment (2025-03-26): Received the title commitment in file, Exception cleared.<br>Buyer Comment (2025-03-25): Please see the attached title commitment | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400319 |  |  |  | 33503642 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-05-23): Title provided.<br>Seller Comment (2025-05-22): Final Title Policy | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400544 |  |  |  | 33548583 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-10): Received AOL.<br>Seller Comment (2025-06-09): [Redacted]No final policy is provided or a commitment, please se the attorney [Redacted] s in place of this, please clear thank you | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400765 |  |  |  | 33941092 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-18): Title commitment received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see attached title commitment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400770 |  |  |  | 33941100 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-18): Title commitment received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400800 |  |  |  | 33941129 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-18): Title commitment received. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached title commitment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400838 |  |  |  | 34007277 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-07-14): Received preliminary title report. Exception cleared.<br>Buyer Comment (2025-07-14): Please see attached, title information as requested. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | GCATINV400845 |  |  |  | 34007285 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-07-14): Received final title report. Exception cleared.<br>Buyer Comment (2025-07-14): Please see attached final title policy. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400972 |  |  |  | 34049517 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-30): Received Title Commitment document. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached title commitment. | X |  |  | 1 C A |  | X | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400983 |  |  |  | 34049658 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-30): Received Title Preliminary document. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400677 |  |  |  | 33789414 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | The final inspection still indicates there are repairs that have not been addressed: Water damage in the primary bedroom and a gap to the outside on the primary bathroom window |  |  |  | Reviewer Comment (2025-07-03): inspection provided confirming no concerns. Appraisal is as is<br>Seller Comment (2025-07-01): [Redacted]: The appraisal was marked as-is. Underwriting was concerned about some cost to cure items listed on the appraisal and asked for a [Redacted], this was not a requirement of the appraiser. An inspection was provided from a professional instead confirming there was no need for these items to be repaired. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400223 |  |  |  | 33360016 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file was missing evidence of the project approval for the subject condominium. Please provide for review. |  |  |  | Reviewer Comment (2025-03-26): Received the condo project approval.<br>Buyer Comment (2025-03-26): Please see the attached [Redacted] cpm approval. Note the approval has expired but the expiration date is after the closing of this loan. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400759 |  |  |  | 33941089 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-20): Project approval provided, exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached [Redacted]cert. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400783 |  |  |  | 33941119 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-19): Received Project Approval document. Exception Cleared.<br>Buyer Comment (2025-06-18): Please see attached confirming the eligibility for all review types for this association. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400823 |  |  |  | 33941147 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Project Approval via CPM indicates the Lender must submit to [Redacted]for project review prior to loan delivery. Please provide evidence of [Redacted]Project Approval. |  |  |  | Reviewer Comment (2025-06-20): Already Project Approval document associated and updated question Yes in valuation screen. Exception Cleared.<br>Buyer Comment (2025-06-19): The loan closed as a [Redacted] loan per final AUS findings. No [Redacted]approval is required for loans underwritten to [Redacted] guidelines. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400878 |  |  |  | 34007319 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing evidence of the project approval for the subject condominium . Please provide for review. |  |  |  | Reviewer Comment (2025-07-17): Upon further review, subject is a site condo. Project approval is not required.<br>Buyer Comment (2025-07-17): The subject property is a detached established condo which is subject to limited review as noted under [Redacted] [Redacted], General Information on Project Standards ([Redacted]. We have provided the condo questionnaire to verify the project meets [Redacted]standards, nothing additional is required.<br>Reviewer Comment (2025-07-17): Please provide the project approval for the subject condominium. Exception remains.<br>Buyer Comment (2025-07-15): Please see attached, condo warrantable information as requested. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400005 |  |  |  | 31920877 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-01-30): [Redacted] details has been updated, Exception is cleared. | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400263 |  |  |  | 33447893 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-06-11): Property inspected post disaster but [Redacted]declaration of disaster end date. Date of disaster: [Redacted]<br>Seller Comment (2025-06-11): [Redacted] REPORT / No Damage to Dwelling |  |  | X | 2 C B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400893 |  |  |  | 34007332 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Originator | Reviewer Comment (2025-07-16): PDI supplied on [Redacted]. No Damage.<br>Reviewer Comment (2025-07-16): [Redacted]. No Damage.<br>Buyer Comment (2025-07-15): Please see attached disaster inspection. |  |  | X | 2 C B |  | X | Investment | Purchase | C B A |  | N/A | No |
|  | GCATINV401030 |  |  |  | 34049712 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-06-17): Date of the property inspection was after the incident start date and reflects no damages. Client elects to waive with compensating factors. |  |  | X | 2 B |  | X | Investment | Purchase | C B A |  | N/A | No |
|  | GCATINV400005 |  |  |  | 31668720 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-10-16): Exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400010 |  |  |  | 32024403 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is in a disaster area. The file was missing a property inspection dated after the disaster or the lender's rep and warranty attestation along with visible confirmation that the subject property was not damaged. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted]. | SitusAMC,Aggregator | Reviewer Comment (2024-09-20): [Redacted] elects to waive with compensating factors. |  |  | X | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400012 |  |  |  | 32092063 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-12-17): Received PDI<br>Seller Comment (2024-12-17): Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400020 |  |  |  | 32691750 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-01-28): Property inspected post disaster but pre-[Redacted] declaration of disaster end date. Date of disaster: [Redacted]<br>Seller Comment (2025-01-27): Appraisal completed after disaster declaration |  |  | X | 2 C B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400076 |  |  |  | 33079258 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS<br> Disaster Declaration Date: [Redacted] |  |  |  | Reviewer Comment (2025-04-02): PDI provided, cleared<br>Seller Comment (2025-03-31): Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400496 |  |  |  | 33823419 |  | 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. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-07-09): Received pdi.<br>Reviewer Comment (2025-07-09): n/a<br>Reviewer Comment (2025-07-02): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | X |  |  | 1 A |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400583 |  |  |  | 33921005 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-08-04): PDI provided. | X |  |  | 1 A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400142 |  |  |  | 33071312 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Missing appraisal. |  |  |  | Reviewer Comment (2025-04-01): Appraisal report [Redacted] provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400326 |  |  |  | 33496011 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-11): Received pdi reflecting no damage<br>Reviewer Comment (2025-05-23): Physical inspection of property required to clear exception.<br>Seller Comment (2025-05-22): DU Findings issued PIW after disaster declaration date | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400363 |  |  |  | 33579810 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): [Redacted] Was Captured and was updated. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400369 |  |  |  | 33579696 |  | 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. |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): [Redacted]details have been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400372 |  |  |  | 33580513 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received in file; Exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400373 |  |  |  | 33578906 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): FEMA details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400375 |  |  |  | 33589450 |  | 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. |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400386 |  |  |  | 33592050 |  | 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. |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): Received bpo. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400395 |  |  |  | 33579573 |  | 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. |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-17): Received BPO | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400401 |  |  |  | 33612971 |  | 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. |  | Investor to provide. |  |  |  | Reviewer Comment (2025-07-10): Property inspection report has been received & attached. Exception cleared.<br>Seller Comment (2025-07-09): Please see the attached [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33591403 |  | 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. |  | Investor to order. |  |  |  | Reviewer Comment (2025-07-09): [Redacted]details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400414 |  |  |  | 33539050 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-06-25): Received pdi<br>Seller Comment (2025-06-24): PDI attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400422 |  |  |  | 33616858 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): FEMA details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400504 |  |  |  | 33606496 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): BPO received in file; Exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400507 |  |  |  | 33581289 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): FEMA details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33624888 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-17): Received bpo. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33607203 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): Received BPO. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400525 |  |  |  | 33628374 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-09): FEMA details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400528 |  |  |  | 33613332 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-17): Received bpo | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400584 |  |  |  | 33570663 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-14): FEMA details has been updated, Exception is cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400594 |  |  |  | 33676016 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-07-17): Received [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400930 |  |  |  | 34007367 |  | 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. |  | This will clear with the secondary valuation once received, since the original valuation is a PIW. |  |  |  | Reviewer Comment (2025-08-01): [Redacted]provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400395 |  |  |  | 33579548 |  | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Points were paid by borrower and Originator Compensation was paid by lender. |  |  |  | Reviewer Comment (2025-06-12): N/A<br>Seller Comment (2025-06-06): LI [Redacted] The comp is included in the pricing for the final price. The fee is showing on the final CD as lender paid for transparency. Please see attached Lock Confirmation, there is not dual comp on this transaction | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400455 |  |  |  | 33535678 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400030 |  |  |  | 33009737 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-03-13): Received econsent.<br>Seller Comment (2025-03-13): Home is in [Redacted] - I highlighted that on the first attachment. Second attachment shows that subdivision is not in HOA<br>Seller Comment (2025-03-13): Home is in [Redacted] - I highlighted that on the first attachment. Second attachment shows that subdivision is not in HOA<br>Seller Comment (2025-03-13): Econsent | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400063 |  |  |  | 32976534 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-03-11): [Redacted] Agreement has been received & attached. Exception cleared.<br>Reviewer Comment (2025-03-11): E-Sign Consent Agreement is still missing in file. Exception remains.<br>Seller Comment (2025-03-10): econsent | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984497 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-03-11): E-Consent received in file; Exception cleared.<br>Seller Comment (2025-03-10): esign<br>Seller Comment (2025-03-10): econsent | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32977598 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-03-11): E-Sign Consent Agreement has been received & attached. Exception cleared.<br>Reviewer Comment (2025-03-11): E-Sign Consent Agreement is still missing in file. Exception remains.<br>Seller Comment (2025-03-10): econsent | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400125 |  |  |  | 33090015 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electrnic consent. |  |  |  | Reviewer Comment (2025-04-06): [Redacted] received e-sign consent agreement.<br>Seller Comment (2025-04-04): [Redacted] [Redacted] Please see attached e-sing consent. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400144 |  |  |  | 33098577 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-03-27): Received [Redacted].<br>Seller Comment (2025-03-26): e sign | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400184 |  |  |  | 33284003 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received econsent<br>Seller Comment (2025-04-17): e consent | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400189 |  |  |  | 33285115 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received econsent<br>Seller Comment (2025-04-17): Econsent / Audit Log | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400190 |  |  |  | 33276639 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received econsent<br>Seller Comment (2025-04-17): E Consent | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400200 |  |  |  | 33279582 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received econsent<br>Seller Comment (2025-04-17): e cosent | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400204 |  |  |  | 33283920 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received econsent<br>Seller Comment (2025-04-17): [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400208 |  |  |  | 33278218 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received [Redacted]<br>Seller Comment (2025-04-18): E Consent | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400210 |  |  |  | 33277182 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): No econsent needed, nothing e-signed.<br>Seller Comment (2025-04-18): All docs were wet signed. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400212 |  |  |  | 33290041 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400213 |  |  |  | 33289661 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-04-21): Received [Redacted]<br>Seller Comment (2025-04-18): e-sign audit log attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400574 |  |  |  | 33573524 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-06-05): Econsent provided, exception cleared.<br>Seller Comment (2025-06-05): LI[Redacted] Please see attached E-sign consent form | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400211 |  |  |  | 33287102 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [Redacted] days of the loan application date. | [Redacted] receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of [Redacted] application. |  |  |  | Reviewer Comment (2025-04-18): [Redacted]received initial LE | X |  |  | 1 B A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400592 |  |  |  | 33675562 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within[Redacted]days of the loan application date. | [Redacted] receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within [Redacted]days of[Redacted]application. |  |  |  | Reviewer Comment (2025-06-26): Updated LE with correct application date provided, exception cleared.<br>Seller Comment (2025-06-24): appraisal disclosure<br>Seller Comment (2025-06-24): initial [Redacted] with address<br>Seller Comment (2025-06-24): [Redacted]<br>Seller Comment (2025-06-24): Initial [Redacted]dated [Redacted] was a tbd, once we had property address new initial [Redacted]went out on [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400259 |  |  |  | 33441129 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing evidence of receipt of the right to receive a copy of the appraisal disclosure and LE. |  |  |  | Reviewer Comment (2025-05-21): [Redacted]eceived all LE's<br>Reviewer Comment (2025-05-20): Exception re-opened<br>Reviewer Comment (2025-05-20): [Redacted] received Initial [Redacted] dated [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | Good faith redisclosure C B A | N/A | N/A | Yes |
|  | GCATINV400155 |  |  |  | 33215183 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three ([Redacted]) business days of application or determination of first lien status. | Right to Receive Copy of Appraisal" disclosure not provided within [Redacted] days of [Redacted] application date. |  |  |  | Reviewer Comment (2025-04-11): Received proof of delivery on [Redacted].<br>Reviewer Comment (2025-04-10): Documentation provided only show Loan officer receiving on [Redacted] and only [Redacted] borrower signed the documentation on [Redacted].<br>Seller Comment (2025-04-10): Disclosure Tracking from [Redacted] - Both borrowers received | X |  |  | 1 B A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400002 |  |  |  | 31270422 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Seller Comment (2024-08-26): Seller requests buyer review: Please waive exception. EV[Redacted]. Appraisal was only revised on [Redacted]. |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400063 |  |  |  | 32976464 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32984360 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32976783 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400099 |  |  |  | 33074914 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted]missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-01): Appraisal receipt per e-sign delivery notice, exception cleared<br>Seller Comment (2025-03-29): [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the 3 business day cool off before the closing date of [Redacted].<br>Seller Comment (2025-03-29): [Redacted] [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400112 |  |  |  | 33076345 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-09): Received appraisal delivery, exception cleared.<br>Seller Comment (2025-04-09): [Redacted] [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted].<br>Seller Comment (2025-04-09): LI[Redacted]Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400115 |  |  |  | 33092007 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evience of receipt. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] [Redacted] and sent date provided<br>Seller Comment (2025-04-03): [Redacted] Please see the attached [Redacted] worksheet with proof that both borrowers were sent an [Redacted] on[Redacted] and the [Redacted] was applied. This meets the [Redacted] business days before the closing date of [Redacted]<br>Seller Comment (2025-04-03): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400118 |  |  |  | 33084286 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-03): Appraisal Receipt confirmation in file, exception cleared<br>Seller Comment (2025-04-03): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400123 |  |  |  | 33092126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-25): Waived |  |  | X | 2 B |  | X | Investment | Refinance - Rate/Term | D B C A | N/A | N/A | No |
|  | GCATINV400125 |  |  |  | 33090029 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] and missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400130 |  |  |  | 33078817 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | [Redacted] report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-02): [Redacted]received evidence of document mailing date.<br>Seller Comment (2025-03-31): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted].<br>Seller Comment (2025-03-31): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted]and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400131 |  |  |  | 33071519 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400140 |  |  |  | 33079677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. |  |  |  | Reviewer Comment (2025-04-03): Appraisal receipt confimation date [Redacted] updated, exception cleared<br>Seller Comment (2025-04-03): LI [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the 3 business day cool off before the closing date of [Redacted]<br>Seller Comment (2025-04-03): [Redacted] Please see the attached [Redacted] History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted]. This meets the [Redacted] cool off before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400170 |  |  |  | 33196746 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] with no evidence of receipt with Note date of [Redacted] missing evidence of waiver. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400172 |  |  |  | 33197363 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-09): Received proof of delivery on [Redacted]<br>Seller Comment (2025-04-08): Hello. The attached Valuation Delivery shows the appraisal was delivered to the borrowers on [Redacted]. Please review and advise how we can proceed. Thank you. | X |  |  | 1 B A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400196 |  |  |  | 33284984 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt of final report. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400201 |  |  |  | 33279240 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant threebusiness days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400203 |  |  |  | 33283862 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400220 |  |  |  | 33277399 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower within [Redacted] days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-02-06): Delivery provided.<br>Buyer Comment (2025-02-06): Appraisal delivery | X |  |  | 1 B A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400250 |  |  |  | 33441826 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400264 |  |  |  | 33451445 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted]. With Note date of [Redacted], [Redacted] day waiver or evidence of [Redacted] receipt could be provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400278 |  |  |  | 33504594 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400285 |  |  |  | 33478485 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is less than [Redacted] days from closing with no waiver provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400387 |  |  |  | 33605348 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400431 |  |  |  | 33548547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400438 |  |  |  | 33629001 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400493 |  |  |  | 33580435 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400512 |  |  |  | 33580252 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400519 |  |  |  | 33628409 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400593 |  |  |  | 33675174 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report was received [Redacted] with Note date of [Redacted] missing evidence of waiver. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400598 |  |  |  | 33674494 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400639 |  |  |  | 33790894 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400663 |  |  |  | 33789178 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of appraisal receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400672 |  |  |  | 33789820 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400681 |  |  |  | 33788997 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400708 |  |  |  | 33782844 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV401078 |  |  |  | 34307116 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was delivered to borrower [Redacted] which is not [Redacted] days prior to closing [Redacted]. |  |  |  | Buyer Comment (2025-04-11): Acknowledged as non-material. |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400244 |  |  |  | 33447058 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower provided appraisal waiver less than three [Redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400172 |  |  |  | 33224596 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule [Redacted]: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Received proof of delivery on [Redacted], prior to the report date. |  |  |  | Reviewer Comment (2025-04-09): [Redacted] |  |  | X | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400706 |  |  |  | 33791442 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal provided [Redacted] per the Appraisal Receipt Confirmation but the appraisal report date is [Redacted] |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400716 |  |  |  | 33791517 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Valuation provided [Redacted] per the Appraisal Receipt Confirmation but the appraisal is dated [Redacted] |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400718 |  |  |  | 33791432 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal electronically provided [Redacted] prior to the Appraisal report date of [Redacted] |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400001 |  |  |  | 31230832 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]-[Redacted] (Redacted)): Borrower waived right to receive a copy of the appraisal at least three ((Redacted)) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2024-08-07): Appraisal Delivery notice provided in file; Exception cleared.<br>Seller Comment (2024-08-05): Please see the attached Appraisal Package and TRID worksheet<br>Seller Comment (2024-08-05): Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on ([Redacted]) and the mailbox rule was applied. This meets the ([Redacted]) business days before the closing date of ([Redacted]). | X |  |  | 1 B A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400016 |  |  |  | 32354789 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]- [Redacted] [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification of the borrower's receipt of the appraisal is missing from the file. |  |  |  | Reviewer Comment (2024-10-28): The letter provided indicates the appraisal was provided on [Redacted]. Since this does not indicate evidence of receipt, the mail box theory is applied which would indicate the appraisal was not received by the borrower until [Redacted] which is after the date of the [Redacted]closing date. Please provide evidence the borrower received a copy of the appraisal at or prior to closing. Exception remains.<br>Buyer Comment (2024-10-25): Please see the attached appraisal cover letter showing the appraisal was delivered to the [Redacted]. | X |  |  | 1 B A |  | X | Second Home | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32941870 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule [Redacted]: Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2025-04-29): Waived [Redacted] |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400087 |  |  |  | 33071221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2025-04-01): Evidence of appraisal receipt of revised appraisal dated[Redacted]s not provided. Earlier appraisal received on [Redacted]Exception remains.<br>Seller Comment (2025-03-29): LI [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]<br>Seller Comment (2025-03-29): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400088 |  |  |  | 33110666 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule [Redacted]: Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to [Redacted] at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-04-29): Waived<br>Reviewer Comment (2025-04-01): Earlier receipt dated [Redacted]in file. Receipt of revised appraisal dated [Redacted]is not provided. Exception remains<br>Seller Comment (2025-03-29): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] |  |  | X | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400089 |  |  |  | 33071291 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule [Redacted]: Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-04-01): Received disclosure summary appraisal delivery, exception cleared.<br>Seller Comment (2025-03-29): [Redacted] Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400094 |  |  |  | 33080751 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule [Redacted]: Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2025-04-01): Receipt confirmed per e-sign procees summary, exception cleared<br>Seller Comment (2025-03-29): [Redacted]Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the 3 business day cool off before the closing date of [Redacted].<br>Seller Comment (2025-03-29): [Redacted]Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted]. | X |  |  | 1 B A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400096 |  |  |  | 33071492 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2025-04-01): Received disclosure summary appraisal delivery, exception cleared.<br>Seller Comment (2025-03-29): LI [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted].<br>Seller Comment (2025-03-29): LI[Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on[Redacted]. This meets the [Redacted]business day cool off before the closing date of [Redacted] | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400108 |  |  |  | 33073345 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  | Reviewer Comment (2025-04-04): Consent of appraisal delivery provided, exception cleared<br>Seller Comment (2025-04-03): [Redacted] Please see the attached [Redacted] History and Appraisal Package that shows the borrower was sent the [Redacted] and consented to it on [Redacted]. This meets the [Redacted] cool off before the closing date of [Redacted].<br>Seller Comment (2025-04-03): LI [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the [Redacted] business day cool off before the closing date of [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400124 |  |  |  | 33078743 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule [Redacted]: Borrower waived right to receive a copy of the appraisal at least [Redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal reciept not provided. |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400166 |  |  |  | 33362310 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-05-01): waived<br>Seller Comment (2025-05-01): Appraisal report dated [Redacted]<br>Reviewer Comment (2025-04-30): Documentation highlighted shows appraisal delivered to lender and then on [Redacted] appraisal delivered to borrowers. Please provide earliest appraisal with report date [Redacted] or evidence of appraisal with report date [Redacted] being delivered prior to closing.<br>Seller Comment (2025-04-30): Please review document starting [Redacted]rd page up - I've highlighted some key points for you showing the full appraisal order and delivery history for this file. Original appraisal received [Redacted], then there were corrections requested (received corrected appraisals on [Redacted] and final on [Redacted]). The system auto sends the appraisal to the borrower after a certain amount of days, unless we push it through manually (which you can see it delivered on [Redacted].) <br> Appraisal was delivered prior to closing - please advise what you need to clear this condition<br>Reviewer Comment (2025-04-30): Appraisal delivery of [Redacted] post close will not resolve.<br>Seller Comment (2025-04-30): Full Details<br>Reviewer Comment (2025-04-29): Only appraisal in file has report date [Redacted], appraisal delivery dated[Redacted] will not resolve.<br>Seller Comment (2025-04-29): Appraisal sent<br>Reviewer Comment (2025-04-29): Appraisal notice for [Redacted] dated [Redacted] still missing in file. Document provided was for appraisal order([Redacted]). Exception remains.<br>Seller Comment (2025-04-28): Appraisal sent |  |  | X | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400206 |  |  |  | 33284826 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400238 |  |  |  | 33441262 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
|  | GCATINV400364 |  |  |  | 33582740 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400365 |  |  |  | 33554702 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400373 |  |  |  | 33581410 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-07-14): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted] Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary[Redacted]) |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400377 |  |  |  | 33606181 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400380 |  |  |  | 33603627 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400381 |  |  |  | 33604552 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400381 |  |  |  | 33604603 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification of initial appraisal delivery and receipt by borrower not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400393 |  |  |  | 33604597 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of receipt of earlier report was provided however receipt of report date [Redacted] was not. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400394 |  |  |  | 33589201 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400396 |  |  |  | 33603978 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400397 |  |  |  | 33603935 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400398 |  |  |  | 33615480 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400416 |  |  |  | 33549707 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400422 |  |  |  | 33617416 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400463 |  |  |  | 33559754 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400468 |  |  |  | 33590725 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400476 |  |  |  | 33547500 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400477 |  |  |  | 33574582 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of receipt of report date [Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400484 |  |  |  | 33589489 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400487 |  |  |  | 33568365 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400494 |  |  |  | 33613431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400496 |  |  |  | 33605247 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400496 |  |  |  | 33605248 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of AVM receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400504 |  |  |  | 33606566 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400513 |  |  |  | 33612658 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400526 |  |  |  | 33614782 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400569 |  |  |  | 33626764 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400577 |  |  |  | 33572498 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400640 |  |  |  | 33795349 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400642 |  |  |  | 33787696 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400648 |  |  |  | 33817660 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Copy of appraisal is required to be delivered to borrower within [Redacted] business days prior to closing. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400651 |  |  |  | 33795378 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400656 |  |  |  | 33788153 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400658 |  |  |  | 33797664 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | GCATINV400667 |  |  |  | 33797053 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400719 |  |  |  | 33786519 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of earlier receipt of appraisal was not provided. |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400865 |  |  |  | 34007304 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final [Redacted] does not indicate that the property will be an Investment Property or the Final [Redacted] Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | It is unable to be determined if the borrower lives in the subject. All income and asset documentation reflects the subject address, the appraisal reflects owner-occupied, and the borrower's mortgage on the current primary residence was opened [Redacted] months prior to the subject Note date. Insurance is not inclusive of a rent loss endorsement and there is no other documentation to support occupancy being an investment at initial review. The occupancy cert does reflect the borrower will not occupy; however, documentation in the file is inconsistent with this. Please provide support for current occupancy. |  |  |  | Reviewer Comment (2025-07-21): Occupancy statement confirms borrower will not occupy subject. Exception cleared.<br>Buyer Comment (2025-07-18): Please see the attached occupancy statement.<br>Reviewer Comment (2025-07-17): Diligence does not have any documentation to support occupancy as an investment. Please advise if there was a LOE obtained at origination regarding the borrower not updating their address on all income/asset documentation, or other supporting documentation obtained for the same. (Such as a driver's license with the new address, etc.). It is understood that the client does not require the appraisal to reflect tenant occupancy, however, there is generally other documentation to support the subject being an investment in the file. If there is anything that was missed during diligence review that would assist confirming the non-owner occupancy type, please advise. Exception remains.<br>Buyer Comment (2025-07-16): Client has confirmed they will not be occupying the subject property per the [Redacted] declarations with their primary residence being [Redacted]. Occupancy guidelines have been met for an investment property, nothing additional is required. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | GCATINV400214 |  |  |  | 33277299 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Security Instrument states Tenants in Common. Please provide a Tenancy in Common Agreement. |  |  |  | Reviewer Comment (2025-03-24): Not required in CA.<br>Buyer Comment (2025-03-21): Lender rebuttal | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400217 |  |  |  | 33277329 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence free and clear tax and insurance obligations for [Redacted] [Redacted] |  |  |  | Reviewer Comment (2025-03-12): Received Free and clear along with [Redacted]and [Redacted]verification for [Redacted] and [Redacted] . Exception Cleared<br>Buyer Comment (2025-03-12): warranty deed, tax bill, lox | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400672 |  |  |  | 33788874 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Incorrect Final [Redacted] and [Redacted]in loan file. Final [Redacted]and Final [Redacted]reflect IRA distribution income for co-borrower was used for qualification. Income docs in the file verify that the IRA distribution income is actually for the borrower and not the co-borrower. |  |  |  | Reviewer Comment (2025-07-03): Updated docs provided<br>Seller Comment (2025-07-01): [Redacted] [Redacted]: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400749 |  |  |  | 33941077 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final AUS indicates the borrower's income source as Dividends/Interest when in fact it was Schedule [Redacted] less than [Redacted]%. Please provide revised AUS with corrected income type for review. |  |  |  | Reviewer Comment (2025-07-07): Revised AUS received adding the [Redacted] < [Redacted]% earnings as S/E earnings. Disregarded the requirement for [Redacted]-year business returns as the borrower's ownership is not = or > [Redacted]. [Redacted]-years of [Redacted]'s and personal returns were provided which meets the 1-year requirement. No evidence exists in the file that the borrower works for this company, so a third-party verification of employment status is additionally not required. Exception cleared.<br>Buyer Comment (2025-07-03): We consulted with [Redacted], and they required it be entered into AUS as regular self-employment however they do not require any additional verification other than what was provided for <[Redacted] ownership self-employment.<br>Reviewer Comment (2025-06-25): In response to client escalation via email on [Redacted]: The income was disclosed to the [Redacted]as Dividend and Interest income as indicated on the two snips below of the [Redacted]. [Redacted]is reading it this way as it was reflected as Dividend and Interest income on the final [Redacted]. The income needs to be corrected and all income requirements met on the updated [Redacted]. The [Redacted]reflects the income as [Redacted] on the final Loan Application which is why the [Redacted]is reading it as such. Income should be reflected in the Current Employment section with the percentage of ownership box accurately checked.<br>Reviewer Comment (2025-06-24): In response to client escalation: Since this is an Agency loan, income must be property disclosed in the AUS submission. [Redacted][Redacted] specifically states: "If the ownership share is less than [Redacted]%, the income is entered in Gross Monthly Income. Schedule K-1 income for these borrower's should be entered as "Other" in Gross Monthly Income". <br>Entering the income for this file as Dividends and Interest income is not accurate. In addition, in response to client's statement the "[Redacted] actually supports it being disclosed this way as not all but portions of the income on the [Redacted] has that language", please note that only the $[Redacted]Net Real Estate for [Redacted]and $[Redacted]for [Redacted]was utilized in calculating the monthly income of $[Redacted]. Even if the Dividend & Interest portion was utilized, the disclosure of the income to the AUS must still comply with [Redacted]requirements.<br>Please provide a revised AUS, correctly reflecting the income property as other in the Gross Monthly Income section.<br>Reviewer Comment (2025-06-23): Diligence agrees with client rebuttal. Diligence comments did not mean to indicate it should be reflected as self-employed but were meant to indicate to follow [Redacted] requirements on the submission of the income for Schedule [Redacted]. Income should be reflected as directed per [Redacted] guidelines as stated in the client rebuttal below versus Dividend & Interest income. Exception remains.<br>Buyer Comment (2025-06-20): Per Self Employment Income section [Redacted]the [Redacted], Income and Employment Documentation for DU, "If the ownership share is [Redacted]% or more, the income is entered in Monthly Income (or Loss) based on the lender's calculation of net income (or loss)[Redacted] If the ownership share is less than [Redacted]%, the income is entered in Gross Monthly Income (base, bonus, overtime, etc.). Schedule K-[Redacted]income for these borrowers should be entered as [Redacted]in Gross Monthly Income." Per this direct guidance, the income should NOT be listed as income from self employment and should remain dividend and interest/"other" income.<br>Reviewer Comment (2025-06-20): This is an Agency loan. In order for this loan to be Agency Salable, the income needs to be properly disclosed in the AUS as Schedule K-1 <[Redacted]%. Exception remains.<br>Buyer Comment (2025-06-19): Our guidelines require the client be qualified as dividend and interest income when they are receiving passive income from owning less than [Redacted]%. The borrower is only receiving real estate rental,interest and dividend income from the business. Please review to clear this condition. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400768 |  |  |  | 33941097 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the settlement statement from the original purchase transaction that confirms no mortgage financing was used to obtain the subject property. Need to verify [Redacted]delayed financing requirements have been met on this cash out refinance. |  |  |  | Reviewer Comment (2025-06-19): Received Settlement Statement from the original purchase of the subject. Delayed Financing requirements met. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the attached ALTA from the original purchase. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400778 |  |  |  | 33941111 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the co-borrower's YTD paystub or equivalent documentation. Please provide for review. |  |  |  | Reviewer Comment (2025-06-19): Paystub with YTD earnings was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-17): Please see attached paystub | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400780 |  |  |  | 33941115 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third party verification of employment for sole proprietor income was not timestamped. Please provide evidence of when the lender obtained the verification for review |  |  |  | Reviewer Comment (2025-06-19): Verification of lender obtaining the third-party for the business within [Redacted]days of the Note has been provided. Exception cleared.<br>Buyer Comment (2025-06-17): Please see attached, SE document with internal timestamp confirming it was obtained within [Redacted] days of close. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400781 |  |  |  | 33941116 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the third-party verification of employment for the Schedule C business. If this is connected to the [Redacted], please provide supporting documentation for the same. Diligence is unable to confirm the gross Sch C income is a distribution from the S-Corp in order to use the provided third-party verification from the [Redacted]. It's noted the naming conventions of both businesses are similar, however, unable to connect them based on file documentation. |  |  |  | Reviewer Comment (2025-06-20): Third-party verification of the Schedule C business was provided, exception cleared.<br>Buyer Comment (2025-06-19): Please see the attached confirmation that the self employment verification was obtained within [Redacted]days of closing.<br>Reviewer Comment (2025-06-19): LO license provided does not confirm that the existence of the borrower's business was verified within 120 calendar days prior to the note date. Exception remains<br>Buyer Comment (2025-06-17): Please refer to page [Redacted] DOC ID [Redacted] for the loan originator license that is active and supports the Schedule C income. The document on page [Redacted] is to verify self-employment for [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400871 |  |  |  | 34007311 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of the borrower's self employment was dated [Redacted], which is not within [Redacted]calendar days of closing. Please provide documentation dated within the required [Redacted]days. |  |  |  | Reviewer Comment (2025-07-18): Received evidence of the date the verification was obtained. Exception cleared.<br>Buyer Comment (2025-07-16): Please see the attached proof of self-employment. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400901 |  |  |  | 34007336 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing K[Redacted]s for the S-corp business for the year [Redacted]& [Redacted]. Income will need to be reviewed upon receipt. |  |  |  | Reviewer Comment (2025-07-17): Provided [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached K[Redacted]s for [Redacted][Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400901 |  |  |  | 34007338 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Documentation verifying the borrower's self employment dated within [Redacted] calendar days of closing was not found. Please provide for review. |  |  |  | Reviewer Comment (2025-07-17): Provided Time Stamped third party Verification Document. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached internal documentation confirming the se voe was received within [Redacted] days of closing. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400906 |  |  |  | 34007343 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third party documentation for self employment is reflecting the borrower is currently delinquent. This means the business has failed to meet one or more of the state compliance obligations by not filing its required annual report as well as payment of any outstanding fees. This status indicates the business is not in "good standing" Please provide evidence the business was restored to "Good Standing:. |  |  |  | Reviewer Comment (2025-07-16): Received post close dated LexisNexis report for Third Party Verification of SE. Exception cleared.<br>Buyer Comment (2025-07-14): [Redacted]do not require the borrower to cure the delinquent status, only other proof of [Redacted] is required. Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400913 |  |  |  | 34007352 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a current paystub and [Redacted] for the co-borrower. The [Redacted] and paystubs provided in the file were blank. No documentation was found to verify income. Income will be calculated upon receipt of the missing documentation. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] provided. Exception cleared.<br>Buyer Comment (2025-07-14): Please see the attachment. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV400918 |  |  |  | 34007357 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third-party verification for the [Redacted]was not timestamped. Please provide evidence of when this was obtained by the lender for review. |  |  |  | Reviewer Comment (2025-07-17): Received verification of the date received. Exception cleared.<br>Buyer Comment (2025-07-15): Please see attached, internal timestamp confirming the document was obtained on [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400934 |  |  |  | 34007382 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted]W[Redacted] for the co-borrower was blank. Please provide a clear copy of the W[Redacted] or equivalent [Redacted]income documentation for review. |  |  |  | Reviewer Comment (2025-07-17): Received [Redacted]. Exception cleared.<br>Buyer Comment (2025-07-15): Please see attached [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007510 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The internet search for the borrower's business entity does not contain a timestamp. Please provide evidence of the date the lender obtained the verification. |  |  |  | Reviewer Comment (2025-07-17): Screenshot of client's LOS confirms TPV was received on [Redacted] within [Redacted]days of note date. Exception cleared.<br>Buyer Comment (2025-07-15): Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400960 |  |  |  | 34007511 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The internet search for the co-borrower's business entity does not contain a timestamp. Please provide evidence of the date the verification was obtained. |  |  |  | Reviewer Comment (2025-07-17): Screenshot of client's LOS confirms [Redacted] was received on [Redacted] within [Redacted] days of note date. Exception cleared.<br>Buyer Comment (2025-07-15): Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400993 |  |  |  | 34049668 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third-party verification for the Schedule C was not timestamped. Please provide evidence of when this was obtained by the lender for review. |  |  |  | Reviewer Comment (2025-06-30): Active business license obtained within [Redacted]days. Exception cleared.<br>Buyer Comment (2025-06-26): Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV401065 |  |  |  | 34049741 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's [Redacted] W[Redacted] was blank. Please provide the most recent year W2 or equivalent documentation for review. |  |  |  | Reviewer Comment (2025-07-01): Received [Redacted] [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-27): Please see attached W[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401071 |  |  |  | 34307081 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing a VOR for [Redacted]primary residence rental, $[Redacted]/mo. |  |  |  | Reviewer Comment (2025-04-03): Lease and [Redacted] rental payment were provided. This is all we need for history per the [Redacted]gls.<br>Buyer Comment (2025-04-01): Guideline requirement<br>Reviewer Comment (2025-03-31): Subject is [Redacted] Transaction with investment property. [Redacted] Require [Redacted] Verification of Primary housing history for Borrower [Redacted]" which is only for [Redacted]months per final [Redacted]and [Redacted] for previous primary to cover [Redacted]months requirement. Exception Remains<br>Buyer Comment (2025-03-28): Per lender:The original condition asks for a VOR for [Redacted]to which we provided the lease agreement, and [Redacted] month rent payment. We are unsure what is referring to and why we are being asked for VOR for a previous residence.<br>Reviewer Comment (2025-03-26): Noted Lease agreement for borrower [Redacted] current rental residence however as per guide require verification of rent from property management company / landlord of current residence ([Redacted]) and ([Redacted]) to meet residence history requirement. exception remains.<br>Buyer Comment (2025-03-24): VOR | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401075 |  |  |  | 34307105 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require [Redacted] [Redacted] for Subject Property [Redacted] as HOA as per appraisal is [Redacted] and final [Redacted]. |  |  |  | Reviewer Comment (2025-04-22): Noted. Updated [Redacted] and AUS received correcting HOA amount as per the appraisal report. changed amount on valuation screen. Exception cleared.<br>Buyer Comment (2025-04-21): Updated [Redacted]<br>Reviewer Comment (2025-04-17): Received updated[Redacted] and PCCD with change in HOA amount to $[Redacted]Require updated AUS/[Redacted]with updated proposed PITIA as per HOA of $[Redacted]must match in require document. Exception Remains<br>Buyer Comment (2025-04-15): Per lender : [Redacted] for correct [Redacted]dues, [Redacted]to Borrower | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401078 |  |  |  | 34307119 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Secondary hazard policy reflects tenant occupied policy with fair market rental coverage. Loan is a purchase of a second home. |  |  |  | Reviewer Comment (2025-04-17): Part time rental is allowed on second home where rent loss coverage may be necessary, Occupancy affidavit reflects second home as does [Redacted].<br>Buyer Comment (2025-04-16): Per lender : [Redacted]cert on insurance | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400314 |  |  |  | 33485830 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | CD issued on [Redacted] was signed by borrower on[Redacted] |  |  |  | Reviewer Comment (2025-05-27): Waived.<br>Seller Comment (2025-05-26): The original CD issued for closing had a duplicate credit report fee on B.[Redacted] closer updated the closing disclosure on[Redacted] removing the excess fee; the settlement agent had the borrowers sign the updated closing disclosure with the actual closing date |  |  | X | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400572 |  |  |  | 33575479 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | CD issued on [Redacted] was signed by borrower on [Redacted]. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400004 |  |  |  | 31312258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400005 |  |  |  | 31669417 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted]. | LD restated |  |  |  | Reviewer Comment (2025-01-31): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400006 |  |  |  | 31669435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]-[Redacted] [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400009 |  |  |  | 31962557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted] [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2024-10-30): [Redacted]<br>Seller Comment (2024-10-30): Agree with [Redacted] designation |  |  | X | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400012 |  |  |  | 32549174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated designation. |  |  |  | Reviewer Comment (2025-01-03): Restated designation. |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400013 |  |  |  | 32129083 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2024-12-05): Waived<br>Seller Comment (2024-12-05): It is QM safe harbor due to this being a Secondary home |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400018 |  |  |  | 32726058 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-01-28): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400019 |  |  |  | 32697996 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | [Redacted] restated |  |  |  | Reviewer Comment (2025-01-23): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400021 |  |  |  | 32703073 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted]. | LD restated |  |  |  | Reviewer Comment (2025-01-24): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400022 |  |  |  | 32900936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-04-29): [Redacted] waived. |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400054 |  |  |  | 32962527 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted] | LD restated |  |  |  | Reviewer Comment (2025-04-29): EV[Redacted] waived. |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400056 |  |  |  | 32962549 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of[Redacted] matches the Due Diligence Loan Designation of[Redacted] | LD restated |  |  |  | Reviewer Comment (2025-03-05): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400063 |  |  |  | 32987291 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted] | LD restated |  |  |  | Reviewer Comment (2025-03-18): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400064 |  |  |  | 32987306 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 33312614 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400074 |  |  |  | 33033607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | [Redacted] [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted]. | LD restated |  |  |  | Reviewer Comment (2025-03-13): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400159 |  |  |  | 33143226 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-03-28): waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400183 |  |  |  | 33277931 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of[Redacted] matches the [Redacted] Loan Designation of Higher [Redacted]. | [Redacted] |  |  |  | Reviewer Comment (2025-04-15): waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400185 |  |  |  | 33294166 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-04-17): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400219 |  |  |  | 33277391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage [Redacted]: The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-designated to HPQM. EV [Redacted] that can be waived. |  |  |  | Buyer Comment (2025-02-21): Acknowledged non material [Redacted] |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400264 |  |  |  | 33586550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400266 |  |  |  | 33475587 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-05-16): Waived |  |  | X | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400320 |  |  |  | 33510862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400321 |  |  |  | 33510865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400322 |  |  |  | 33510894 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400332 |  |  |  | 33510915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400338 |  |  |  | 33511044 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33568424 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400347 |  |  |  | 33534666 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender restated QM status. |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400354 |  |  |  | 33514098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400371 |  |  |  | 33561005 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400372 |  |  |  | 33589991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400391 |  |  |  | 33610747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400394 |  |  |  | 33605042 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400401 |  |  |  | 33848722 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33614763 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400404 |  |  |  | 33614789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400413 |  |  |  | 33623039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | [Redacted] restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400422 |  |  |  | 33623057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | [Redacted] restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400441 |  |  |  | 33571903 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400450 |  |  |  | 33561040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33650431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400490 |  |  |  | 33571940 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400509 |  |  |  | 33693853 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]-[Redacted][Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM ([Redacted]) matches the Due Diligence Loan Designation of Higher Priced QM ([Redacted]). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400519 |  |  |  | 33632540 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33631638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400522 |  |  |  | 33641212 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400552 |  |  |  | 33632691 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] matches the Due Diligence Loan Designation of [Redacted]). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400554 |  |  |  | 33561103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400560 |  |  |  | 33561128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400568 |  |  |  | 33639261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400584 |  |  |  | 33573662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400585 |  |  |  | 33639674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  |  |  |  |  | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400609 |  |  |  | 33748014 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-06-25): waived<br>Seller Comment (2025-06-25): compliance cert |  |  | X | 2 A B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400001 |  |  |  | 31226295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank (Redacted)): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall exception, QM Points and Fees. |  |  |  | Reviewer Comment (2024-08-05): Received evidence of undiscounted rate and price.<br>Seller Comment (2024-08-05): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within ([Redacted])% higher than APOR which allows for ([Redacted])% bonafide discount to be applied. The Undiscounted Interest Rate Price is $([Redacted]). | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400003 |  |  |  | 31241349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]-[Redacted] [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | [Redacted] due to income document exception. |  |  |  | Reviewer Comment (2024-08-13): [Redacted] provided. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400004 |  |  |  | 31288662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of [Redacted]. | Lender designation was [Redacted] however due to points and fees the calculated designation is [Redacted]. |  |  |  | Reviewer Comment (2024-08-07): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400005 |  |  |  | 31623384 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2024-09-17): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400006 |  |  |  | 31625130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2024-09-17): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400009 |  |  |  | 31958276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]-[Redacted] [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2024-10-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400012 |  |  |  | 32091946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]-[Redacted] [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | [Redacted]due to DTI. Lender failed to include HOI for primary residence. |  |  |  | Reviewer Comment (2025-01-03): Updated HOA resulted in DTI within tolerance.<br>Seller Comment (2024-12-31): [Redacted] [Redacted]- HOA Dues should be $[Redacted]as documented, but are currently reflecting $[Redacted]. With this corrected, DTI is under [Redacted]%.<br>Reviewer Comment (2024-12-30): [Redacted] due to DTI. [Redacted] failed to include [Redacted] for [Redacted] residence.<br>Seller Comment (2024-12-27): [Redacted] [Redacted]- See attached HOI<br>Reviewer Comment (2024-12-27): Received evidence of [Redacted]. Still missing proof of insurance.<br>Seller Comment (2024-12-24): [Redacted] [Redacted] - See attached HOA Dues<br>Reviewer Comment (2024-12-19): Check receipt is not sufficient enough. Please provide printout from HOA or other form of evidence that includes the borrower's name, address and amount of obligated dues. Exception remains.<br>Seller Comment (2024-12-17): [Redacted]- See attached check receipt for HOA Dues. [Redacted]is [Redacted]Condo Unit Onwer's Association, Unit number is listed on the check receipt, COA can be found [Redacted], sharing address with borrower's unit. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400013 |  |  |  | 32091920 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]- [Redacted] [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Designation submitted as APOR was actually HP QM APOR. |  |  |  | Reviewer Comment (2024-11-13): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400015 |  |  |  | 32354764 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]- [Redacted] [Redacted]): 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 when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2024-10-30): Offset provided for seller paid fees. Loan no longer exceeds threshold.<br>Buyer Comment (2024-10-29): The client paid [Redacted] points to go from [Redacted]% @ [Redacted] points to [Redacted]% @ [Redacted] points. Please exclude $[Redacted]from the QM points and fee's test, which is the excludable amount of discount points. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400017 |  |  |  | 32940595 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and fees. |  |  |  | Reviewer Comment (2025-03-08): Received evidence of undiscounted rate and price. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400018 |  |  |  | 32695289 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM (APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-01-28): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400019 |  |  |  | 32673760 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan was submitted as SH QM APOR but due to spread calculated designation is HP QM APOR. |  |  |  | Reviewer Comment (2025-01-23): LD restated<br>Seller Comment (2025-01-23): Agree to HPML designation | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400021 |  |  |  | 32671093 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of Safe Harbor [Redacted]) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Lender designation wa[Redacted] however due to points and fees the calculated designation is Higher Priced[Redacted] |  |  |  | Reviewer Comment (2025-01-24): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400022 |  |  |  | 32691237 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to points and fees. |  |  |  | Reviewer Comment (2025-02-20): Received undiscounted rate and price.<br>Reviewer Comment (2025-02-04): Threshold of [Redacted]% does not meet investor requirement of [Redacted]% in order to exclude bonafide discount points. Buyer to review.<br>Seller Comment (2025-02-03): Submitted bona fide discount point calc / undiscounted rate | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400025 |  |  |  | 33325509 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-14): Expenses verified.<br>Seller Comment (2025-05-13): Please close as exception [Redacted]has cleared | X |  |  | 1 B A C |  | X | Investment | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400054 |  |  |  | 32932051 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of[Redacted] does not match Due Diligence Loan Designation of[Redacted] | Lender designation was [Redacted] however due to points and fees the calculated designation is [Redacted] |  |  |  | Reviewer Comment (2025-03-03): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400055 |  |  |  | 32941871 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing additiona[Redacted] |  |  |  | Reviewer Comment (2025-03-04): Received asset and income documents.<br>Seller Comment (2025-03-03): Additional statement uploaded | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400056 |  |  |  | 32941807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of[Redacted]) does not match Due Diligence Loan Designation of [Redacted] | Lender designation was [Redacted]however due to points and fees the calculated designation is [Redacted] |  |  |  | Reviewer Comment (2025-03-03): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400062 |  |  |  | 33230117 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of [Redacted]. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-25): REO docs provided.<br>Seller Comment (2025-04-25): Please advise if this is cleared as exception [Redacted] is cleared | X |  |  | 1 B A C |  | X | Investment | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400063 |  |  |  | 32976467 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of[Redacted] | Lender designation was[Redacted] however due to APOR on date of rate lock the calculated designation is [Redacted] |  |  |  | Reviewer Comment (2025-03-06): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400064 |  |  |  | 32984468 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of[Redacted] does not match Due Diligence Loan Designation of [Redacted] | Lender designation was [Redacted] however due to points and fees the calculated designation is [Redacted] |  |  |  | Reviewer Comment (2025-03-06): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400065 |  |  |  | 32976815 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Edit[Redacted] - Lender designation was Safe Harbor QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-04-21): LD restated<br>Reviewer Comment (2025-04-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Seller Comment (2025-04-17): Points and Fee's Bona Fide Disc breakdown<br>Reviewer Comment (2025-04-16): Compliancease reflects undiscounted rate as [Redacted]%. Undiscounted price is blank. Is this supposed to represent PAR? We need the price in order to determine what portion is actually bonafide.<br>Seller Comment (2025-04-16): [Redacted]<br>Seller Comment (2025-04-16): Loan has Bona Fide Discount Pts<br>Reviewer Comment (2025-04-16): We need evidence of what the undiscounted rate and price is. Please provide pricing sheet with starting rate and points. An attestation will not clear this exception.<br>Seller Comment (2025-04-14): Attestation letter and supporting documentation for undiscounted rate and price<br>Reviewer Comment (2025-04-11): Please provide undiscounted rate and price.<br>Seller Comment (2025-04-10): Hello, can you please let us know specifically what we can provide to clear this condition. thank you<br>Reviewer Comment (2025-04-09): Documentation provided does not indicate undiscounted rate and price.<br>Seller Comment (2025-04-07): Compliance Information<br>Reviewer Comment (2025-04-01): Please provide undiscounted rate and price.<br>Seller Comment (2025-03-31): [Redacted] | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400066 |  |  |  | 33079711 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and fees. |  |  |  | Reviewer Comment (2025-03-26): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-03-24): This should clear the condition since it meets .[Redacted]point ratio | X |  |  | 1 B A C |  | X | Investment | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400072 |  |  |  | 33180081 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM Points and Fees. |  |  |  | Reviewer Comment (2025-04-25): Undiscounted cost and rate provided.<br>Seller Comment (2025-04-25): Please see documentation in [Redacted]exception to clear | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400073 |  |  |  | 33187946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM Points and Fees. |  |  |  | Reviewer Comment (2025-04-25): Undiscounted rate price provided; exception cleared.<br>Seller Comment (2025-04-25): Please see docs uploaded in exception [Redacted] | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400074 |  |  |  | 33022078 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2025-03-13): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400084 |  |  |  | 33112378 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of [Redacted] does not match Due Diligence [Redacted] Risk. | The origination credit report tied to the [Redacted] findings is not in the loan file. |  |  |  | Reviewer Comment (2025-04-01): Credit report that matches LP provided<br>Seller Comment (2025-03-26): [Redacted]tm: attached | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400089 |  |  |  | 33071292 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails testing due to excessive Points and Fees. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing. |  |  |  | Reviewer Comment (2025-04-11): Updated to Higher Priced APOR, exception cleared.<br>Seller Comment (2025-04-10): Disagree - The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and passing QM test with highlighted undiscounted rate. The Undiscounted Interest Rate Price is $[Redacted].Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted]- $[Redacted]= $[Redacted]/ $[Redacted]= [Redacted]%<br>Reviewer Comment (2025-04-01): Seller comments on[Redacted] do not apply to this exception. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing.<br>Seller Comment (2025-03-29): [Redacted] A portion of the fee's are being covered by [Redacted]. Please see attached Itemization of [Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400110 |  |  |  | 33115668 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing recent [Redacted]or [Redacted][Redacted]for wage income for borrower. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]-[Redacted] [Redacted] provided | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400116 |  |  |  | 33086472 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to verification of business existence document is missing for the business [Redacted], and [Redacted]. |  |  |  | Reviewer Comment (2025-04-18): [Redacted]for both businesses provided prior to note date within [Redacted] days<br>Seller Comment (2025-04-16): [Redacted]: The VOB confirmation form is on the file due to the dates not showing on the document. The documents were pulled and confirmed on [Redacted]. Please see VOB along with attestation of date pulled.<br>Seller Comment (2025-04-16): [Redacted]: [Redacted] confirmation form is on the file due to the dates not showing on the document. The documents were pulled and confirmed on [Redacted]. Please see [Redacted] along with attestation of date pulled.<br>Reviewer Comment (2025-04-16): The VVOE for [Redacted] in file is a Verification of business form confirmation verifying the business via the Secretary of State on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. The business name search from the [Redacted] does not show a date pulled/searched. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br>The VVOE for [Redacted] is a Verification of business confirmation form verifying the business via the [Redacted] on [Redacted], however the verification search was completed on [Redacted] (post consummation), our Note date is [Redacted]. Per [Redacted] selling guidelines the lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date.<br> Need both verification of business searches to be dated [Redacted] per the Verification of business confirmation form.<br>Seller Comment (2025-04-15): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-15): Recevied Verification of business confirmation form, missing the search showing the company data for [Redacted]. Missing the secretary of state search for for [Redacted] showing company data per the verification of business confirmation form. The verification of business confirmation form only will not be sufficient. Per [Redacted] guides: Requirements:<br>The lender must verify the existence of the borrower's business within [Redacted] calendar days prior to the note date<br>from a third party, such as a [Redacted], regulatory agency, or the applicable licensing bureau, if possible; or<br>by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance.<br>The lender must document the source of the information obtained and the name and title of the lender's employee who obtained the information.<br>Seller Comment (2025-04-15): [Redacted]: Please see updated document<br>Reviewer Comment (2025-04-14): Need Secretary of State print out for [Redacted]. Inc per the VVOE Source of Verification of business box checked. The VVOE for [Redacted] "Source of Verification of business" box is not checked, need to know how the QC auditor verified VVOE.<br>Seller Comment (2025-04-14): [Redacted]: Please see attached documents<br>Reviewer Comment (2025-04-09): [Redacted] is requiring a verbal VOE prior to the disbursement date.<br>Seller Comment (2025-04-08): [Redacted]: According to the guidelines the lender may obtain the verification of employment after closing, up to the time of loan delivery. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400124 |  |  |  | 33117021 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Insurance document is missing for [Redacted]. properties and missing tax verification for [Redacted] property. |  |  |  | Reviewer Comment (2025-04-08): Updated AUS provided<br>Reviewer Comment (2025-04-07): This is due to the DTI issue. Per tax cert for the primary residence, the taxes (monthly) are $[Redacted], per final [Redacted], the total being included into the DTI is $[Redacted].<br>Seller Comment (2025-04-04): [Redacted]: See attached tax bill. [Redacted]and [Redacted]are vacant land and do not have insurance policies. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400125 |  |  |  | 33090103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation QM (APOR)Risk due to missing income documentation, Paystub in file for co-borrower dated[Redacted], missing YTD paystub within [Redacted] business days of Note date as required. |  |  |  | Reviewer Comment (2025-04-02): All income docs provided<br>Seller Comment (2025-03-27): [Redacted]: Please note that this loan is a Conventional Elite loan that was underwritten to [Redacted] [Redacted] states that "for all mortgage loans (existing and new construction), the credit documents must be no more than four months old on the note date. Credit documents include credit reports and employment, income, and asset documentation." The [Redacted] day requirement does not apply to the date of the paystub, it would only be required per line item [Redacted] from the DU findings if the lender was using bank statements to verify the borrower's employment, however, a VVOE was provided to satisfy this requirement. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400126 |  |  |  | 33086074 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to Asset requirement not met. [Redacted]. [Redacted] must come from their own funds however bank statements are not reflecting the source of [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): EMD sourced<br>Seller Comment (2025-03-27): [Redacted]: Please see that the EMD can be seen being wired out of the borrower's [Redacted] [Redacted]on [Redacted], which is also confirmed by the receipt from the title company confirming that they received the EMD funds from the borrower. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400127 |  |  |  | 33084788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition due to Points and Fees. Missing undiscounted rate and undiscounted rate pricing, please confirm par pricing. |  |  |  | Reviewer Comment (2025-04-01): Received undiscounted rate and pricing, exception cleared.<br>Seller Comment (2025-03-31): LI [Redacted] See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted] bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]<br>Seller Comment (2025-03-31): [Redacted] See attached passing [Redacted] with highlighted [Redacted], bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted] which allows for [Redacted] to be applied. The Undiscounted Interest Rate Price is [Redacted] | X |  |  | 1 B A C |  | X | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400129 |  |  |  | 33086060 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of [Redacted] Fail. | Loan designation failure due to Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. Additional conditions may apply if standard [Redacted]/rate ratio is not met. |  |  |  | Reviewer Comment (2025-04-01): Received undiscounted rate and pricing, exception cleared.<br>Seller Comment (2025-03-31): [Redacted] See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted] | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400131 |  |  |  | 33117050 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing recent [Redacted] for borrower and co-borrower wage income. Upon receipt of [Redacted], other conditions may apply. |  |  |  | Reviewer Comment (2025-04-01): Received Year end paystubs for [Redacted]and [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please note that the borrower provided their year-end paystubs for [Redacted]and [Redacted]in lieu of their W-[Redacted] forms, the year-end paystubs for both borrowers have been uploaded to Loan Exception ID #[Redacted]. This is acceptable per [Redacted]guidelines and the LPA findings that were also provided. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400152 |  |  |  | 33359340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Edited [Redacted] - Waterfall due to [Redacted]. |  |  |  | Reviewer Comment (2025-05-06): exception cleared.<br>Seller Comment (2025-05-05): Please clear this Waterfall condition<br>Reviewer Comment (2025-05-01): Updated condition for DTI from updated VOR.<br>Seller Comment (2025-05-01): Sorry - i see a new condition - working on it<br>Seller Comment (2025-05-01): Please clear this Waterfall Condition | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400159 |  |  |  | 33140097 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-03-28): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400177 |  |  |  | 33203328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-04-16): REO docs provided. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400183 |  |  |  | 33275918 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM (APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-04-15): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400185 |  |  |  | 33276684 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-04-17): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400201 |  |  |  | 33281304 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-24): Mortgage statement provided; exception cleared.<br>Seller Comment (2025-04-22): [Redacted] Mtg Statement | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400202 |  |  |  | 33279079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall for missing REO document. |  |  |  | Reviewer Comment (2025-04-21): REO documentation provided; exception cleared.<br>Seller Comment (2025-04-17): see doc uploaded for HOA dues | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400208 |  |  |  | 33277980 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-04-22): AUS provided.<br>Seller Comment (2025-04-18): AUS Findings | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400212 |  |  |  | 33290014 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400219 |  |  |  | 33277387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is testing as Higher Priced QM (APOR). This may re-designated upon request. |  |  |  | Reviewer Comment (2025-02-21): Re-designated to HPQM<br>Buyer Comment (2025-02-20): Please re-designate as HPQM | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400241 |  |  |  | 33447592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing REO documentation. |  |  |  | Reviewer Comment (2025-05-21): Received REO documents.<br>Seller Comment (2025-05-20): All documents for [Redacted]<br>Reviewer Comment (2025-05-20): Tax certificate provided is for multiple parcels and doesn't spell out which portion pertains specifically to [Redacted]. Please provide evidence of taxes for only the property in question.<br>Seller Comment (2025-05-19): [Redacted] Tax Cert<br>Seller Comment (2025-05-19): [Redacted] | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400242 |  |  |  | 33451708 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to Points & Fees exception |  |  |  | Reviewer Comment (2025-05-21): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-05-20): POINTS AND FEE'S SNIP<br>Seller Comment (2025-05-20): \*\*\*\* PLEASE SEE COMPLIANCE EASE [Redacted] A. Origination Charges Bona Fide discount points = undiscounted rate and price<br>Reviewer Comment (2025-05-20): Please provide undiscounted rate price.<br>Seller Comment (2025-05-19): All LE's Disclosed to Borrower | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400257 |  |  |  | 33447025 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall for missing REO documents. |  |  |  | Reviewer Comment (2025-05-23): Corrected [Redacted]provided, exception cleared.<br>Seller Comment (2025-05-22): Corrected [Redacted] removed from [Redacted]<br>Reviewer Comment (2025-05-21): Please provide corrected [Redacted] showing $[Redacted] removed.<br>Seller Comment (2025-05-21): $[Redacted] Escrow Amt was put in as error - The ratios are at the higher and still had the approve | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400264 |  |  |  | 33451450 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Edited [Redacted] - Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-05): LD restated<br>Seller Comment (2025-06-05): points and fees screen<br>Reviewer Comment (2025-06-05): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Reviewer Comment (2025-05-20): Received undiscounted rate and price. Points paid are [Redacted] - [Redacted] price = [Redacted] or $[Redacted] is bonafide. Lender excluded $[Redacted]. Exception remains.<br>Seller Comment (2025-05-19): CE<br>Seller Comment (2025-05-19): points screen | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400265 |  |  |  | 33455115 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400266 |  |  |  | 33471893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-16): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400320 |  |  |  | 33489451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400321 |  |  |  | 33502450 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage Dodd-Frank [Redacted]: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400322 |  |  |  | 33497854 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400327 |  |  |  | 33489128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing HOA verification on primary. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] verification provided, exception cleared. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400332 |  |  |  | 33496398 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400338 |  |  |  | 33502905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM (APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400346 |  |  |  | 33504375 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Edit [Redacted] - Lender designation was Safe Harbor QM QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-03): LD restated<br>Seller Comment (2025-06-02): Agree with [Redacted]<br>Reviewer Comment (2025-05-28): Updated exception<br>Reviewer Comment (2025-05-28): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400347 |  |  |  | 33506627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-29): Lender restated QM status.<br>Seller Comment (2025-05-29): Please update to show [Redacted]. Thank you.<br>Reviewer Comment (2025-05-28): Updated exception<br>Reviewer Comment (2025-05-27): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of [Redacted] Risk.<br>Seller Comment (2025-05-27): Please see the attached ATR/QM. Thank you. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400354 |  |  |  | 33509343 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-05-23): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400357 |  |  |  | 33513852 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing required REO documentation. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] documentation provided, exception cleared.<br>Seller Comment (2025-05-27): compliance cert | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400359 |  |  |  | 33511701 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-05-30): Received AUS | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400364 |  |  |  | 33584773 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-30): Updated [Redacted]provided, exception cleared.<br>Seller Comment (2025-06-26): [Redacted] [Redacted] : Please see attached documents<br>Seller Comment (2025-06-26): [Redacted] MM: Please see attached documents<br>Reviewer Comment (2025-06-06): Final [Redacted] reflect additional mortgage with different account number and amount. Please provide LOE from borrower stating no second loan and corrected [Redacted].<br>Seller Comment (2025-06-06): [Redacted]: See attached passing [Redacted]test with highlighted APR and [Redacted]calculation reflecting less than [Redacted]. The difference between the[Redacted] is [Redacted], and calculation portion. The price of the undiscounted rate is [Redacted], there is no charge for undiscounted (also known as PAR) rate.<br> [Redacted]" | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400369 |  |  |  | 33579686 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Waterfall due to threshold violation. |  |  |  | Reviewer Comment (2025-06-09): Received qm worksheet<br>Seller Comment (2025-06-06): [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]. The difference between the APR vs APOR is[Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate.<br> $[Redacted]" | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400371 |  |  |  | 33541993 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank[Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-03): LD restated<br>Seller Comment (2025-06-02): Disagree - [Redacted]does not run on Secondary homes | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400372 |  |  |  | 33581691 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-06): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400389 |  |  |  | 33604848 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall Due to QM Points and Fees. |  |  |  | Reviewer Comment (2025-06-11): Offset provided for seller paid discount points.<br>Seller Comment (2025-06-10): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400391 |  |  |  | 33580782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-09): Received itemization of seller credit.<br>Seller Comment (2025-06-06): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400394 |  |  |  | 33589181 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-06-09): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400401 |  |  |  | 33613150 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to [Redacted]. |  |  |  | Reviewer Comment (2025-07-07): [Redacted] restated<br>Seller Comment (2025-07-02): the exception information you provided above also notes [Redacted]% bonafide discount points being excluded from the test. So $[Redacted]points and fees - seller paid discount points of $[Redacted]- [Redacted]% bonafide discount points $[Redacted]= $[Redacted]in test. This is passing<br>Reviewer Comment (2025-06-27): Adjusted points $[Redacted]plus origination fee $[Redacted]is $[Redacted], even if unitemized seller credit was itemized and deducted at $[Redacted], QM fees would be $[Redacted]and still exceed maximum.<br>Seller Comment (2025-06-25): A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied.<br>Reviewer Comment (2025-06-13): Adjusted points $[Redacted]plus origination fee $[Redacted]is $[Redacted], even if unitemized seller credit was itemized and deducted at $[Redacted], QM fees would be $[Redacted]and still exceed maximum.<br>Seller Comment (2025-06-12): [Redacted] [Redacted] See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400403 |  |  |  | 33591948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Updated [Redacted] - Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-10): [Redacted] restated<br>Reviewer Comment (2025-06-09): Updated exception<br>Reviewer Comment (2025-06-09): EXCEPTION HISTORY - Exception Detail was updated on[Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.<br>Seller Comment (2025-06-09): [Redacted]: Please see attached to main conditions uploaded. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400404 |  |  |  | 33605920 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-10): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400413 |  |  |  | 33616438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-06-10): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400414 |  |  |  | 33539190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall missing AUS exception. |  |  |  | Reviewer Comment (2025-06-13): AUS provided. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400422 |  |  |  | 33617417 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-10): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400441 |  |  |  | 33554076 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-04): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400444 |  |  |  | 33618306 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing VOR. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted] Lease agreement and [Redacted] months of checks were included in the loan file along with a letter from the landlord confirming borrower's obligation is $[Redacted]. Borrower's roommate pays the landlord and the borrower pays her roommate ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted] as well as [Redacted] paying the landlord. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400447 |  |  |  | 33554897 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Reviewer Comment (2025-06-04): Exception is waterfall due to DTI.<br>Seller Comment (2025-06-03): [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]%. The difference between the APR vs APOR is [Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate.<br> $[Redacted]- $[Redacted]= $[Redacted]/ $[Redacted]= [Redacted]%" | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400450 |  |  |  | 33548143 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-03): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400453 |  |  |  | 33573469 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to [Redacted]. |  |  |  | Reviewer Comment (2025-06-05): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted]<br> CW: See attached updated AUS findings with corrected mortgage payment. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400477 |  |  |  | 33576029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-05): Recalculated as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted]<br> CW: For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]<br> YTD average as is required for fluctuating income. For Overtime, the employer confirmed that their busy season is that last 3 months of the year and that's when she gets the most OT. A lower current YTD OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted]<br> year end paystub, she received[Redacted]<br> f her bonus in December. In[Redacted]<br> she only received [Redacted]<br> for the March bonus, whereas this year, she received [Redacted]<br> , meaning this income is increasing if anything. A [Redacted]<br> average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400482 |  |  |  | 33580544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Updated [Redacted] - Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-13): LD restated<br>Reviewer Comment (2025-06-13): Updated exception [Redacted]<br>Reviewer Comment (2025-06-13): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] ([Redacted]) does not match Due [Redacted] ([Redacted]) Risk.<br>Seller Comment (2025-06-12): [Redacted]: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing $[Redacted] balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is [Redacted]<br> ariance is due to negative rental income for other REO.<br>Seller Comment (2025-06-10): [Redacted] CW: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted]. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted] CW: Borrower is not obligated on the first mortgage for this property and does not pay the mortgage, taxes, or insurance as they are escrowed. See attached note confirming [Redacted] was the only borrower. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400490 |  |  |  | 33560276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Due to APOR on lock date, loan is HP QM. |  |  |  | Reviewer Comment (2025-06-04): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400509 |  |  |  | 33624860 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-18): Received REO documents. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400519 |  |  |  | 33628410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM([Redacted]) however due to APOR on date of rate lock the calculated designation is Higher Priced QM([Redacted]) |  |  |  | Reviewer Comment (2025-06-11): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400520 |  |  |  | 33607158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] restated<br>Seller Comment (2025-06-11): [Redacted]: Please note that the mortgage statement for [Redacted] shows a payment of $[Redacted]. The tax bill that was also provided for this property confirms an annual amount of $[Redacted]or monthly $[Redacted]. [Redacted] can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400522 |  |  |  | 33613338 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall to missing AUS |  |  |  | Reviewer Comment (2025-06-12): Received AUS<br>Seller Comment (2025-06-11): [Redacted] [Redacted]: attached | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400528 |  |  |  | 33613299 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and Fees. |  |  |  | Reviewer Comment (2025-06-13): Safe Harbor QM (APOR)<br>Seller Comment (2025-06-12): LI [Redacted] A portion of the Discount charge fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400532 |  |  |  | 33540064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to [Redacted]. |  |  |  | Reviewer Comment (2025-06-23): Fees under[Redacted] after applying seller credit with itemization of credit.<br>Seller Comment (2025-06-20): A portion of the fee's are being covered by [Redacted]. Please see attached Itemization of[Redacted]and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400552 |  |  |  | 33631338 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-11): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400554 |  |  |  | 33534927 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-03): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400559 |  |  |  | 33534642 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing required REO expense documentation. |  |  |  | Reviewer Comment (2025-06-02): REO documentation provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that the lender calculated the property expenses as though the taxes and insurance were NOT escrowed into the mortgage payment. Please see the REO documentation uploaded to Loan Exception ID #[Redacted]and #[Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400560 |  |  |  | 33541173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-03): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400565 |  |  |  | 33571948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall for missing payoff. |  |  |  | Reviewer Comment (2025-06-05): Discover Settlement provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] See attached, Discover agreed to settle this for $[Redacted]balance is under the [Redacted]threshold that requires this to be paid off and borrower qualifies with the additional $[Redacted]nth payment associated. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400568 |  |  |  | 33635885 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was Safe Harbor QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-12): [Redacted] restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400578 |  |  |  | 33571538 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI exception. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted]%. | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400579 |  |  |  | 33631576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing Mortgage statements for [Redacted], [Redacted][Redacted] and [Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted] [Redacted]: please see attached final CDs for all [Redacted] REOs missing documentation | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400580 |  |  |  | 33631850 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to missing undiscounted rate and cost. |  |  |  | Reviewer Comment (2025-06-27): Received undiscounted rate and price.<br>Seller Comment (2025-06-25): LI [Redacted]See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The [Redacted] Price is $[Redacted].<br>Reviewer Comment (2025-06-12): Client tests [Redacted]% ratio, please provide undiscounted cost as well as rate.<br>Seller Comment (2025-06-12): LI [Redacted] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400581 |  |  |  | 33572504 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI Issue. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and schedule E income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via [Redacted]E of the [Redacted] as opposed to the comparable rent schedule due to the gross monthly income from [Redacted]Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject property [Redacted] Net rental income of $[Redacted] is source of discrepancy. [Redacted] reflects rent of $[Redacted] at [Redacted]% is $[Redacted] resulting in net rental income of $[Redacted].<br>Seller Comment (2025-06-10): [Redacted] - [Redacted]: The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted]. [Redacted] is utilizing net REO negative income of $[Redacted]as opposed to $[Redacted]. Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted]<br> REO PITI(a) - [Redacted] = $[Redacted]<br> Qualifying Subject PITI(a) = $[Redacted]<br> REO Net Rental Income - [Redacted] = $[Redacted]. <br> Credit liabilities = $[Redacted]<br>[Redacted]<br>Reviewer Comment (2025-06-06): AUS shows total expense of $[Redacted], Audit shows total expense of $[Redacted] of which $[Redacted] is from higher cost of REO. Unable to determine the additional $[Redacted] expense source. please provide a breakdown of LPA expense amount.<br>Seller Comment (2025-06-06): [Redacted]: Please see the revised [Redacted] as well.<br>Seller Comment (2025-06-06): [Redacted] - [Redacted] see the revised [Redacted] as well.<br>Seller Comment (2025-06-06): [Redacted] Military Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and [Redacted]findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted]: Military Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400584 |  |  |  | 33570660 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-04): LD restated | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400585 |  |  |  | 33616358 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and fees. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] restated<br>Seller Comment (2025-06-12): The undiscounted rate and pricing information is on page [Redacted] of the compliance report in your portal. It is filed under approval [Redacted]. Thank you!<br>Reviewer Comment (2025-06-11): Please provide evidence of undiscounted rate and price. Testing sheet provided only reflects pricing for final rate of [Redacted].<br>Seller Comment (2025-06-11): This loan is a [Redacted], Rebuttable presumption. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400595 |  |  |  | 33676353 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI Issue. |  |  |  | Reviewer Comment (2025-07-15): Updated DTI met requirements.<br>Seller Comment (2025-07-14): [Redacted]<br>Seller Comment (2025-07-14): REV [Redacted]<br>Seller Comment (2025-07-14): REV AUS[Redacted]<br>Reviewer Comment (2025-07-01): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Reviewer Comment (2025-06-26): Promissory note and tax and insurance verification reflect a monthly payment of $[Redacted] vs Final [Redacted] lender calculated monthly expense of $[Redacted].<br>Seller Comment (2025-06-24): COMPLIANCE TEST CERT AND HPML SCREEN | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400601 |  |  |  | 33677191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing VVOE for Co-Borrower. |  |  |  | Reviewer Comment (2025-06-26): Received [Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400604 |  |  |  | 33678766 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and Fees. |  |  |  | Reviewer Comment (2025-06-26): Received evidence of undiscounted rate and price.<br>Seller Comment (2025-06-24): COMPLIANCE TEST CERT AND HPML INFO SCREEN | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400609 |  |  |  | 33674727 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender designation was QM(APOR) however due to APOR on date of rate lock the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2025-06-24): LD restated<br>Seller Comment (2025-06-24): compliance cert | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | GCATINV400627 |  |  |  | 33792949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall for missing REO document exception. |  |  |  | Reviewer Comment (2025-07-02): REO documents received. | X |  |  | 1 B A C |  | X | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400643 |  |  |  | 33787737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall exception due to points and fees exception. |  |  |  | Reviewer Comment (2025-07-03): [Redacted]received itemization of seller credit.<br>Seller Comment (2025-06-30): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400675 |  |  |  | 33789401 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to Undiscounted rate and points of [Redacted]% and [Redacted]% vs final rate and points of [Redacted]% and [Redacted]% ratio is less than [Redacted]% testing standard; [Redacted]pricing from date of lock is required for additional testing. |  |  |  | Reviewer Comment (2025-07-03): [Redacted]received itemization of seller credit.<br>Seller Comment (2025-06-30): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400679 |  |  |  | 33789537 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The file is testing against the standard QM guidelines. Missing the most recent YTD P&L for [Redacted] documents to confirm the loss for both [Redacted] income companies. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] guides, S[Redacted]income loss that is included and and qualifies with [Redacted] in file, no other documentation is required.<br>Seller Comment (2025-06-30): [Redacted] [Redacted] : Please note that [Redacted] is not using any positive income to qualify the borrower's businesses on Schedule E, and only a conservative loss is being counted. Attached is [Redacted] [Redacted] Guidelines section [Redacted] for[Redacted] not used for qualification. The seller is not required to obtain any additional documentation to evaluate the income or loss from the[Redacted], other than [Redacted], used for qualifying for the Mortgage (e.g., salaried income from primary employment), and Is self-employed and self-employment income is a secondary source of income. Additional documentation is not required for the loss. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400684 |  |  |  | 33781758 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to Income documents requirement not met. Provided [Redacted]for [Redacted]was not signed and dated. Required most recent [Redacted]for [Redacted]with dated and signed. Borrower is receiving business Income from [Redacted]; however, [Redacted]-S, K-[Redacted]for [Redacted]- and Third-party Verification was not provided. Most recent [Redacted]for [Redacted]was not provided for [Redacted] |  |  |  | Reviewer Comment (2025-07-02): Loss income is accounted for, exception cleared.<br>Reviewer Comment (2025-07-02): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Seller Comment (2025-06-30): [Redacted]: 1.) The borrower's [Redacted]s are not required to be signed per [Redacted], Requirements and Uses of [Redacted] Request for Transcript of Tax Return Form [Redacted] to Form [Redacted] being signed and dated prior to closing. 2.) The borrower's [Redacted]s are not required per [Redacted], Allowable Age of Credit Documents and Federal Income Tax Returns [Redacted] due to the borrower provided form [Redacted] confirming they've filed an extension, and the loan disbursing prior to [Redacted]. 3.) A Verification of Business and complete business tax returns for [Redacted] is not required per [Redacted], Verbal Verification of Employment [Redacted], due to no income from this business being considered for qualification. A monthly self-employment loss of $Completed was accounted for, and in event that the company is no longer active, the loss would not have to be included in the borrower debt to income ratio. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400705 |  |  |  | 33791523 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall exception due to excessive Points & Fees |  |  |  | Reviewer Comment (2025-07-02): Received rate lock with pricing, exception cleared.<br>Seller Comment (2025-06-30): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400716 |  |  |  | 33782631 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall exception due to points and fees |  |  |  | Reviewer Comment (2025-07-02): Received rate lock with pricing, exception cleared.<br>Seller Comment (2025-06-30): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than [Redacted] which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400719 |  |  |  | 33804159 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Mortgage statement provided for primary residence shows P&I payment. Tax and insurance documents were not provided to verify payments. |  |  |  | Reviewer Comment (2025-07-03): income docs provided<br>Seller Comment (2025-07-01): [Redacted]: the attached documentation shows both taxes and insurance are paid from the escrow balance. | X |  |  | 1 B A C |  | X | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | GCATINV400137 |  |  |  | 33090441 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | A copy [Redacted]. |  |  |  | Reviewer Comment (2025-04-01): Permanent Resident card provided, exception cleared<br>Seller Comment (2025-03-31): [Redacted]: See attach permanent resident cards | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400210 |  |  |  | 33277658 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | A copy of borrower's non-permanent resident alien proof included in file. |  |  |  | Reviewer Comment (2025-04-28): Permanent resident card provided, exception cleared.<br>Seller Comment (2025-04-24): permanent resident card | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400624 |  |  |  | 33787804 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-07-08): Employment authorization provided, exception cleared.<br>Seller Comment (2025-07-03): attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32125844 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset statements provided do not identify owner, accounts can not be included. |  |  |  | Reviewer Comment (2024-12-17): Received statement.<br>Reviewer Comment (2024-12-09): Transaction history fails to show owner of account or [Redacted][Redacted][Redacted], and per LPA account statement cover a [Redacted]-[Redacted]period or a direct account verification required.<br>Seller Comment (2024-12-09): [Redacted] - Transaction histories are acceptable as standalone documentation as long as they meet all [Redacted] documentation requirements. Identify the financial institution [Redacted], Identify the account [Redacted] [Redacted], Identify the account [Redacted], which at a minimum must include the last four digits [Redacted], Identify the type of account ([Redacted]), Show all transactions (All included for period, evidenced by balance), Show the period covered [Redacted], Show the ending balance $[Redacted], and show any outstanding loans secured by the asset [Redacted], you don't take loans against a money market)<br>Reviewer Comment (2024-12-06): Personal bank statement for #[Redacted]is still missing in file. Exception remains.<br>Seller Comment (2024-12-05): [Redacted]- Document lists [Redacted] on the top of the page in the banner | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400097 |  |  |  | 33088997 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [Redacted] of [Redacted] was not sourced causing verified assets to be insufficient to cover cash from borrower. |  |  |  | Reviewer Comment (2025-04-18): Per [Redacted]LOE indexed with the EMD source, the funds are from a non-purchaser who signed the mortgage, deed and contract. Per [Redacted]email, all requirements to source the funds have been satisfied.<br>Seller Comment (2025-04-16): [Redacted]See attached email from[Redacted] Risk Manager where we got clarification on this guidance<br>Reviewer Comment (2025-04-10): The person giving the earnest money deposit is not a borrower but is on title and signed security instrument. Provide the section of the [Redacted] selling guide you are referring in your comment.<br>Seller Comment (2025-04-09): [Redacted] This guidance was only eligible for loans with application dates prior to [Redacted] and is therefore no longer reflected in the guides. This is effectively the same thing as a gift, just with less strict requirements for a gift letter. Instead of all the gift letter requirements, just an LOX from the [Redacted] confirming their is no expectation of repayment was sufficient.<br>Reviewer Comment (2025-04-07): Please provide which section of the [Redacted]guides talks about this asset type.<br>Seller Comment (2025-04-03): [Redacted]: See attached letter of explanation<br>Reviewer Comment (2025-04-01): There is no LOX in file confirming the $[Redacted]source. Nothing listed within the contract or addenda confirming this.<br>Seller Comment (2025-03-27): [Redacted] We followed [Redacted]guidance for funds from an [Redacted], it is similar to a gift. There is a LOX from the [Redacted]i n file confirming this is not a loan and there is no expectation of repayment and there is an EMD wire showing it was paid by the [Redacted]. [Redacted]does not require a full gift letter when the funds are coming from an [Redacted]who is also on the purchase agreement. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33445948 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of funds received and expense for new $[Redacted] [Redacted]nd lien on primary from [Redacted]. |  |  |  | Reviewer Comment (2025-05-20): HELOC with loan [Redacted] to borrower provided, exception cleared.<br>Seller Comment (2025-05-19): NEW HELOC FUNDS USED FOR CLOSING ON SUBJECT PROPERTY | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400403 |  |  |  | 33591607 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Account listed on 1003 with [Redacted] with balance of $[Redacted] was not provided. |  |  |  | Reviewer Comment (2025-06-09): Bank statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400405 |  |  |  | 33613032 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] provide additional bank statement to fulfill cash to close requirement. |  |  |  | Reviewer Comment (2025-06-12): Bank statements provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400517 |  |  |  | 33615629 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing Closing Disclosure for new simultaneous HELOC on primary residence. Approval and incomplete Closing Disclosure provided were not sufficient to verify assets.. |  |  |  | Reviewer Comment (2025-06-12): HELOC agreement provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]CW: See attached approval and heloc agreement | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400747 |  |  |  | 33941047 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Reserves are insufficient due to the Missing bank statements. Please provide the most recent Bank Statement for review |  |  |  | Reviewer Comment (2025-06-20): Provided Bank statements for [Redacted] Checking and Savings Account # [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-19): Please see the attached two months bank statements for the qualifying assets, note the $[Redacted]deposit is sourced from the [Redacted]<br>Buyer Comment (2025-06-19): Please see the attached [Redacted] for the qualifying assets, note the $[Redacted]deposit is sourced from the [Redacted]account check made on [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401018 |  |  |  | 34049694 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Funds are insufficient due to the missing Robinhood account. Please provide the most recent stock account for review. |  |  |  | Reviewer Comment (2025-06-30): Provided Bank statements for Robinhood Non-liquid asset statement . Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached Robinhood statements.<br>Buyer Comment (2025-06-27): Please see the attached [Redacted]statements. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400002 |  |  |  | 31307737 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing an AUS. |  |  |  | Reviewer Comment (2024-08-16): AUS received and updated in file; Exception cleared.<br>Seller Comment (2024-08-14): AUS | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400024 |  |  |  | 32999366 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | [Redacted] due to number of financed properties. |  |  |  | Reviewer Comment (2025-03-11): Revised [Redacted] received in file; Exception cleared.<br>Seller Comment (2025-03-10): Updated AUS | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
|  | GCATINV400030 |  |  |  | 33016454 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing [Redacted] documents. |  |  |  | Reviewer Comment (2025-03-13): Received REO documents.<br>Seller Comment (2025-03-13): Please clear this Waterfall condition when you clear the other condition | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400066 |  |  |  | 33082373 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-03-24): Required REO documents has been provided & captured. No more [Redacted] required now. Exception cleared.<br>Seller Comment (2025-03-24): REO Documents were provided and condition cleared. what else is needed for this condition? Thank you! | X |  |  | 1 C A |  | X | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400084 |  |  |  | 33091052 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Origination credit report tied to the [Redacted] findings is not in the loan file. |  |  |  | Reviewer Comment (2025-04-01): Credit report that matches LP provided<br>Seller Comment (2025-03-26): [Redacted]tm: attached | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400111 |  |  |  | 33088986 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS item [Redacted] requires Verification of Mortgage by [Redacted] to verify [Redacted] housing history, [Redacted] consecutive statements were provided, [Redacted] is missing and [Redacted] statement does not reflect any mortgage payment. |  |  |  | Reviewer Comment (2025-04-01): Mortgage is owned by another person, per mortgage statement in file.<br>Seller Comment (2025-03-27): [Redacted]: borrower is not obligated on this mortgage as evidenced by CD and Mortgage Statement in file | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400131 |  |  |  | 33071514 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS is missing. |  |  |  | Reviewer Comment (2025-04-01): Received Year end paystubs for [Redacted]and [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached LPA findings. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400142 |  |  |  | 33101002 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing Form [Redacted] appaisal as required for subject property. |  |  |  | Reviewer Comment (2025-04-01): Appraisal report [Redacted] provided, exception cleared.<br>Seller Comment (2025-03-26): [Redacted]: attached | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400152 |  |  |  | 33359727 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing primary residence expense verification. |  |  |  | Reviewer Comment (2025-04-30): VOR provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400160 |  |  |  | 33142551 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing DU. |  |  |  | Reviewer Comment (2025-04-04): Updated [Redacted] provided, exception cleared.<br>Seller Comment (2025-04-02): See revised [Redacted] updating AUS to LP | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400169 |  |  |  | 33199274 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-04-09): [Redacted] provided; exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400171 |  |  |  | 33200037 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-04-09): Received REO documents. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400178 |  |  |  | 33367525 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall missing credit report. |  |  |  | Reviewer Comment (2025-04-29): Credit report provided; exception cleared.<br>Seller Comment (2025-04-29): Credit | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400181 |  |  |  | 33415184 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing primary residence payment verification. |  |  |  | Reviewer Comment (2025-05-12): Updated [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-12): Please clear this waterfall condition | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400210 |  |  |  | 33277678 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Reserve requirement not met, provide supporting documents to verify reserve. |  |  |  | Reviewer Comment (2025-04-28): Exception cleared.<br>Seller Comment (2025-04-24): reserv | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400245 |  |  |  | 33440936 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO income documentation. |  |  |  | Reviewer Comment (2025-05-27): HOI provided, exception cleared.<br>Reviewer Comment (2025-05-19): Taxes were provided of $[Redacted] annually and included [Redacted] as improvement value. Lender wanted to assume hazard would be only $[Redacted] however based on high improvement value coupled with any undisclosed environmental factors, assuming worst case scenario hazard of [Redacted] derived from total escrow of $[Redacted] and taxes paid outside escrow does not seem unreasonable.<br>Seller Comment (2025-05-16): although we do not have a declarations page, I have provided the tax bill for the property which equates to $[Redacted] monthly. The mortgage statement shows escrows monthly in the amount of $[Redacted]. The cert in file confirms there is no HOA on the property, therefore the monthly hazard insurance amount is [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400292 |  |  |  | 33483519 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall for missing lease for leasehold property. |  |  |  | Reviewer Comment (2025-05-27): Lease provided, exception cleared.<br>Reviewer Comment (2025-05-23): Missing Lease for Leasehold, not for REO.<br>Seller Comment (2025-05-22): Schedule E breakdown uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400311 |  |  |  | 33506897 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to DTI. |  |  |  | Reviewer Comment (2025-06-04): Updated AUS provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400327 |  |  |  | 33489136 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | HOA verification on primary is missing. |  |  |  | Reviewer Comment (2025-05-27): HOA verification provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400346 |  |  |  | 33506120 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400359 |  |  |  | 33513427 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing AUS |  |  |  | Reviewer Comment (2025-05-30): Received AUS<br>Seller Comment (2025-05-29): [Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400364 |  |  |  | 33584760 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-30): Updated [Redacted] provided, exception cleared.<br>Seller Comment (2025-06-26): [Redacted]MM: Please see attached documents | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400367 |  |  |  | 33605444 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Per AUS conditions [Redacted] and [Redacted], on old loan [Redacted]on primary residence [Redacted] was being paid off and replaced with lower payment new loan [Redacted]. CD or other evidence of new loan terms was not provided. |  |  |  | Reviewer Comment (2025-06-10): Closing disclosure provided, exception cleared.<br>Seller Comment (2025-06-10): [Redacted][Redacted]: Please see attached. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400377 |  |  |  | 33607476 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The tax amount verification for the Primary is missing. |  |  |  | Reviewer Comment (2025-06-10): Tax verification provided, exception cleared.<br>Seller Comment (2025-06-10): [Redacted] Please see attached doc | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400414 |  |  |  | 33539090 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall missing AUS exception. |  |  |  | Reviewer Comment (2025-06-13): AUS provided. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400423 |  |  |  | 33619534 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Tax and Insurance verification on REO located on [Redacted] are missing. |  |  |  | Reviewer Comment (2025-06-25): REO docs provided.<br>Seller Comment (2025-06-23): [Redacted] [Redacted]: please see attached<br>Reviewer Comment (2025-06-19): Please provide verification insurance expense doesn't exceed [Redacted]month.<br>Seller Comment (2025-06-18): [Redacted] TT: this wouldn't be needed as the taxes and insurance are both escrowed and it is evidence by the Escrow (Taxes and/or Insurance) being $[Redacted]/month and the taxes are only $[Redacted]/month. A borrower wouldn't escrow a portion of their HOI, so the remaining $[Redacted]/month in the escrow payment has to be the HOI on the home.<br>Reviewer Comment (2025-06-12): Please provide verification that insurance [Redacted] remaining amount.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: providing documentation showing the taxes for this REO and they are less than what is showing in the Escrow (taxes and/or Insurance) amount, meaning that the additional amount has to be the HOI being escrowed into the mortgage payment | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400428 |  |  |  | 33611168 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to DTI |  |  |  | Reviewer Comment (2025-06-16): Received updated AUS.<br>Reviewer Comment (2025-06-13): Please provide an updated AUS reflecting the higher payment for primary residence. Even though the loan maybe in the spouse's name, there's no evidence to claim the borrower will not continue to live there and not be financially responsible for some portion of the PITIA.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Please see attached note. The borrower is not financially obligated for any [Redacted] for this property. [Redacted] Is still being conservative by hitting for the payment on the credit report which includes taxes and insurance.<br>Reviewer Comment (2025-06-11): Please provide an updated AUS reflecting the higher payment for primary residence. Even though the loan maybe in the spouse's name, there's no evidence to claim the borrower will not continue to live there and not be financially responsible for some portion of the PITIA.<br>Seller Comment (2025-06-10): [Redacted] Please note that the CD that was provided for the refinance of the borrower's primary residence show the non-borrower as the sole borrower. Our borrower was not obligated on this [Redacted]. [Redacted]is still hitting for the most [Redacted]true payment that reports on the [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400435 |  |  |  | 33536635 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents/DTI. |  |  |  | Reviewer Comment (2025-06-27): Received REO documents.<br>Seller Comment (2025-06-25): [Redacted] [Redacted] : See attached.<br>Reviewer Comment (2025-06-17): Please provide insurance expense verification.<br>Seller Comment (2025-06-16): [Redacted] AMB: Please see the attached confirmation that the insurance for this property is escrowed into the mortgage statement with the taxes.<br>Reviewer Comment (2025-06-04): Please provide insurance verification.<br>Seller Comment (2025-06-04): [Redacted]: Mortgage statement states "taxes and/or insurance" are escrowed. We verified that the monthly amount of escrows is more than the monthly tax amount, meaning that it would be "taxes and insurance" and not "taxes or insurance". The actual insurance documentation would not be required since the amount of taxes was confirmed.<br>Reviewer Comment (2025-06-02): Mortgage statement does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in [Redacted]increase. Please provide insurance verification to confirm expense.<br>Seller Comment (2025-06-02): [Redacted]: Please note that the mortgage statement shows escrow includes "taxes and/or insurance" in the amount of $[Redacted]a month. Please note that we also documented the property taxes for the property at [Redacted]. The tax bill shows the annual property tax amount of $[Redacted], which breaks down to $[Redacted]a month. Since the monthly amount of taxes on the tax bill is less than the amount of escrows reflected on the mortgage statement, it can be assumed that both taxes and insurance are escrowed. The escrow amount collected for the mortgage statement is enough to incorporate more than just monthly cost of the property taxes, so therefore the lender is not required to double hit the borrower with the monthly amount of property taxes. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400444 |  |  |  | 33618272 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DU line [Redacted]required verification of rental amount, lease provided but missing [Redacted] months cancelled checks. |  |  |  | Reviewer Comment (2025-06-12): Exception cleared.<br>Seller Comment (2025-06-12): [Redacted] Lease agreement and [Redacted] were included in the loan file along with a letter from the landlord confirming borrower's obligation is [Redacted]. Borrower's roommate pays the landlord and the borrower pays her roommate ([Redacted]) her portion. Checks were included showing our borrower paying [Redacted]as well as [Redacted] the [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400452 |  |  |  | 33632141 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing Credit report. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] TT: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400466 |  |  |  | 33541687 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Mortgage statement provided does not identify escrows with no further clarification of which expense or expenses are escrowed. Insurance was not provided to verify the escrowed amount was sufficient for expenses. |  |  |  | Reviewer Comment (2025-06-02): Considering escrows as insurance only.<br>Seller Comment (2025-06-02): [Redacted] [Redacted]: Please note that escrow transaction history has been provided. The escrow amount is $[Redacted], and the tax bill provided for this property shows the amount of monthly taxes is lower than $[Redacted], therefore we can make the determination that the escrow account includes insurance. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400473 |  |  |  | 33626321 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing REO documents. |  |  |  | Reviewer Comment (2025-06-13): Tax provided.<br>Seller Comment (2025-06-12): [Redacted]: taxes attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400532 |  |  |  | 33540110 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-02): Credit report provided, exception cleared.<br>Seller Comment (2025-06-02): [Redacted] NR: Please see attached credit report. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400536 |  |  |  | 33631620 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing AUS. |  |  |  | Reviewer Comment (2025-06-12): LPA provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] TT: please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400562 |  |  |  | 33542389 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall for missing mortgage verification. |  |  |  | Reviewer Comment (2025-06-19): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-18): [Redacted]: Attached.<br>Reviewer Comment (2025-06-06): Please provide VOM for property or updated AUS without condition [Redacted].<br>Seller Comment (2025-06-06): [Redacted] AMB: Please note that the mortgage for [Redacted] is a Commercial Equity Loan that was taken out in the name of the borrower's business, which is why it's not reporting on their credit report. Since the borrower's business is the party obligated on the loan, the borrower is not personally obligated and therefore the mortgage history would not need to be documented. The statement provided confirms that the loan is a Commercial loan from the [Redacted] Business Banking division, and the property address is reflecting on the business tax returns as the address for the business. Additionally, third-party record confirms that this property is a commercial building. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400565 |  |  |  | 33571938 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall for missing payoff. |  |  |  | Reviewer Comment (2025-06-05): [Redacted] provided, exception cleared. | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400579 |  |  |  | 33631830 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The DU reflects new lenders and loans for the REO properties [Redacted], [Redacted] and [Redacted]. The Mortgage statements are missing on these properties. |  |  |  | Reviewer Comment (2025-06-12): Received REO documents<br>Seller Comment (2025-06-11): [Redacted]tm: please see attached final CDs for all[Redacted] REOs missing documentation | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400580 |  |  |  | 33631872 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2025-06-12): Credit report provided. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400597 |  |  |  | 33673551 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender has considered qualifying [Redacted] using higher rental income with no lease provided, however as per actual [Redacted] is $[Redacted]. This leads to DTI [Redacted]. |  |  |  | Reviewer Comment (2025-07-01): Received updated AUS reflecting [Redacted]% DTI.<br>Seller Comment (2025-06-27): Hello. Please see the attached AUS reflecting DTI [Redacted]%. Thank you.<br>Reviewer Comment (2025-06-26): Please provide updated AUS reflecting DTI of [Redacted]%.<br>Seller Comment (2025-06-24): Please see attached updated findings. Only using rent from vacating property by seller to offset payment. No lease available. Meets guidelines as borrower has housing. Please review and advise how we can proceed. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCATINV400636 |  |  |  | 33819395 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DU #[Redacted] has an account omitted from DTI, however if any of account will be paid prior to or at closing those account must be marked paid by closing (not immitted) and the loan casefile must be resubmitted to DU). Closing disclosure in file is showing account was paid on a refinance on [Redacted]prior to our Note date of [Redacted] |  |  |  | Reviewer Comment (2025-07-09): Final Closing disclosure in file, exception cleared.<br>Reviewer Comment (2025-07-07): [Redacted] reads if any of account will be paid prior to or at closing those account must be marked paid by closing (not omitted) and the loan casefile must be resubmitted to DU). Closing disclosure in file is showing account was paid on a refinance on [Redacted] prior to our Note date of [Redacted]. Need AUS resubmitted.<br>Seller Comment (2025-07-07): [Redacted] CW: This is not a valid request. The debt was correctly marked as "[Redacted]" which is evidenced by it being excluded from the DTI calculation. The final settlement statement was provided confirming it's paid. DU is saying if it's being paid at closing it needs to be marked this way so it can be included in the cash to close. Nothing needs to be updated, please waive exception.<br>Reviewer Comment (2025-07-04): AUS reads if any of account will be paid prior to or at closing those account must be marked paid by closing (not omitted) and the loan casefile must be resubmitted to DU). Closing disclosure in file is showing account was paid on a refinance on [Redacted] prior to our Note date of [Redacted]. Need AUS resubmitted.<br>Seller Comment (2025-07-02): [Redacted]: Loan was marked Paid In Full prior to closing because it was, AUS was ran correctly. Sufficient evidence to exclude debt was included in the file. | X |  |  | 1 C A |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400656 |  |  |  | 33763913 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The DU reflects Condition [Redacted], that the mortgage listed as omitted if paid prior to closing it must be marked as such. The loan casefile must be resubmitted to DU to reflect paid prior to closing. |  |  |  | Reviewer Comment (2025-07-03): AUS is correct<br>Seller Comment (2025-07-01): [Redacted]: This is not a valid request. The debt was correctly marked as "paid in full" which is evidenced by it being excluded from the DTI calculation. The final settlement statement was provided confirming it's paid. [Redacted] is saying if it's being paid at closing it needs to be marked this way so it can be included in the cash to close. Nothing needs to be updated, please waive exception. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400760 |  |  |  | 33941090 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The subject loan was submitted to DU with [Redacted] financed property however, the borrower has [Redacted] financed properties. The loan casefile must be resubmitted to DU with the correct number of Financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted DU, additional conditions may apply. |  |  |  | Reviewer Comment (2025-06-20): Regardless if there are [Redacted]financed properties, the overall eligibility of the casefile and reserves is presently worst case when submitted with [Redacted] AUS resubmission is not required unless the number of financed properties submitted to DU is lower than actual. Exception cleared.<br>Buyer Comment (2025-06-18): This is incorrect. The borrower has [Redacted]. There is two properties that have a lien on them however they are zero balance first liens, and a property that they don't make the payment on however they are personally obligated, and their primary residence. . The total amount of financed properties is [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400123 |  |  |  | 33092133 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Per AUS the borrower required a total verified funds of [Redacted], the borrower only has [Redacted] available for closing, the reason is the checking account asset with a balance of [Redacted] is missing from the file. |  |  |  | Reviewer Comment (2025-04-02): [Redacted] provided, asset requirement met per [Redacted], exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached statement for [Redacted][Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D B C A | N/A | N/A | No |
|  | GCATINV401018 |  |  |  | 34049696 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  |  |  |  |  | Reviewer Comment (2025-06-30): Provided Bank statements for Robinhood Non-liquid asset statement . Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached [Redacted]statements. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400051 |  |  |  | 33082496 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Property type discrepancy. |  | Subject appears to be part of a PUD per purchase contract, CD and mortgage, not reported on appraisal. |  |  |  | Reviewer Comment (2025-05-07): Property type as PUD is updated now. Exception cleared.<br>Seller Comment (2025-05-07): Please see attached appraisal showing property type as PUD as AUS matches<br>Reviewer Comment (2025-05-05): Revised AUS with property type as Single family detached is still missing in file. Exception remains.<br>Seller Comment (2025-05-05): Please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400011 |  |  |  | 32090770 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender failed to included taxes and insurance cost for [Redacted] increase. Initial DTI exception of [Redacted] % only included [Redacted]. |  |  |  | Reviewer Comment (2024-12-13): Updated AUS provided; exception cleared.<br>Seller Comment (2024-12-13): [Redacted] [Redacted]: Please see attached AUS<br>Seller Comment (2024-12-11): [Redacted]: Please see attached AUS , file is still eligible at [Redacted]% DTI.<br>Reviewer Comment (2024-12-09): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Reviewer Comment (2024-12-09): Lender failed to included taxes and insurance cost for [Redacted] and [Redacted], resulting in DTI increase. Initial DTI exception of [Redacted]% only included [Redacted] as [Redacted] had missing tax and insurance, when tax and insurance were verified DTI increased further to [Redacted]%. AUS was approved at [Redacted]%.<br>Seller Comment (2024-12-09): [Redacted] [Redacted]: Please confirm what is still needed to clear the condition, as the updated DTI of [Redacted] is eligible<br>Reviewer Comment (2024-12-06): Updated<br>Reviewer Comment (2024-12-06): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Seller Comment (2024-12-06): [Redacted][Redacted]: Please see attached | X |  |  | 1 C A |  | X | Investment | Purchase | C A B | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32511461 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender failed to include HOI for primary residence. |  |  |  | Reviewer Comment (2025-01-03): Updated HOA resulted in DTI within tolerance.<br>Seller Comment (2024-12-31): [Redacted] - HOA Dues should be $[Redacted] as documented, but are currently reflecting $[Redacted]. With this corrected, DTI is under [Redacted]%. | X |  |  | 1 A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400068 |  |  |  | 33130260 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Based on lender's income worksheets, it appears lender excluded including the tax and insurance expense and offsets for schedule E investment properties [Redacted], [Redacted] and [Redacted] resulting in DTI increase. |  |  |  | Reviewer Comment (2025-03-31): Corrected tax & hazard insurance amount captured. Exception cleared.<br>Seller Comment (2025-03-28): From the [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400124 |  |  |  | 33178668 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Per tax cert for the primary residence, the taxes (monthly) are [Redacted], the total being included into the [Redacted]. |  |  |  | Reviewer Comment (2025-04-08): Updated AUS provided<br>Seller Comment (2025-04-07): [Redacted]: Revised [Redacted]and [Redacted]findings attached<br>Seller Comment (2025-04-07): [Redacted]: Revised [Redacted] and AUS findings attached | X |  |  | 1 A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400152 |  |  |  | 33388815 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Added [Redacted] - VOR confirmed rental amount of $[Redacted] per month instead of lender rental value of $[Redacted] resulting in DTI issue. |  |  |  | Reviewer Comment (2025-05-05): Borrower initially resided on [Redacted] on rent basis hence rent expenses captured on credit screen & removed from REO.DTI is on [Redacted]%. Exception cleared.<br>Seller Comment (2025-05-02): Explanation from our [Redacted] - Final docs did include the Rent payment. Please advise if this will clear this condition and the [Redacted] other waterfall conditions. | X |  |  | 1 A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400201 |  |  |  | 33281214 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | There is no evidence tax or insurance is included with payment on [Redacted] Ferncrest, adding verified expenses results in DTI increase. |  |  |  | Reviewer Comment (2025-04-24): Mortgage statement provided; exception cleared.<br>Seller Comment (2025-04-22): [Redacted] [Redacted] Statement PITI | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400212 |  |  |  | 33293721 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  |  |  |  |  |  | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400215 |  |  |  | 33277318 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | YTD [Redacted] income does not support [Redacted] Average Income used to qualify. For YTD [Redacted] Income Lender used Gross pay from early [Redacted] pay stub but later [Redacted] paystub reflects smaller gross pay. It appears a decrease in base pay occurred, unable to ascertain base base as WVOE not provided. |  |  |  | Reviewer Comment (2025-02-20): Received previous month ([Redacted]) Paystub which support In [Redacted] Borrower pay increased to [Redacted] to $[Redacted] which leads Lower YTD. Exception Cleared<br>Buyer Comment (2025-02-19): comment from lender: Please see attached paystubs - [Redacted] and [Redacted] - borrower received a pay increase in [Redacted] which clarifies why YTD earnings slightly lower<br>Reviewer Comment (2025-02-17): [Redacted] YTD earning do not support the base earning for the borrower semi-monthly earning so require written verification of employment if borrower is getting any additional commission or bonus. exception remains.<br>Buyer Comment (2025-02-15): Per lender : The borrower is paid a salary and is an exempt employee guaranteed to be paid [Redacted] simi - monthly. That is [Redacted] a month.<br>Reviewer Comment (2025-02-12): Noted [Redacted] YTD paystub show Semi-monthly income if $[Redacted] leads monthly income of $[Redacted] whereas YTD [Redacted] income of $[Redacted] does not support the monthly income. Lender included All Component in YTD [Redacted] income of $[Redacted] where it must be only $[Redacted] as regular [Redacted]. Bonuses, Allowance and Awards are not part of base pay [Redacted]. [Redacted]not provided in the file. Exception Remains<br>Buyer Comment (2025-02-11): Per Lender: looking at the year ending paystub for [Redacted]. The year ending paystub for [Redacted] is [Redacted]<br>Buyer Comment (2025-02-11): Per Lender: looking at the year ending paystub for [Redacted]. The year ending paystub for [Redacted] is [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400215 |  |  |  | 33277320 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | New Exception as result of documentation provided. VOR noted Rental payment of Primary Residence $[Redacted] where as Lender used $[Redacted], Require updated [Redacted]/[Redacted]/AUS with change in primary rental payment as DTI Change to [Redacted]%. |  |  |  | Reviewer Comment (2025-03-14): Received updated AUS/[Redacted]] with change in DTI Exception Cleared<br>Buyer Comment (2025-03-13): Updated LP<br>Buyer Comment (2025-03-13): Updated [Redacted] and [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400245 |  |  |  | 33483874 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | ADDED [Redacted]Taxes were provided of $[Redacted] annually and included $[Redacted] as improvement value. Lender wanted to assume hazard would be only $[Redacted] however based on high improvement value coupled with any undisclosed environmental factors, assuming worst case scenario hazard of $[Redacted] derived from total escrow of $[Redacted] and taxes paid outside escrow does not seem unreasonable. Addition of un-escrowed worst case taxes results in DTI increase outside tolerance |  |  |  | Reviewer Comment (2025-05-27): [Redacted] provided, exception cleared.<br>Seller Comment (2025-05-23): HOI [Redacted] | X |  |  | 1 A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400265 |  |  |  | 33453196 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The Lease Agreements for REO properties on [Redacted] and [Redacted] are missing. |  |  |  | Reviewer Comment (2025-05-20): Lease agreements provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400281 |  |  |  | 33480946 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement shows un-itemized escrows collected, taxes were verified but hazard was not, assuming only hazard is escrowed and adding taxes results in DTI increase. |  |  |  | Reviewer Comment (2025-05-21): REO documentation provided, exception cleared.<br>Seller Comment (2025-05-21): Please see all docs verifying HOI and Taxes amount. Both are escrowed. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400300 |  |  |  | 33491100 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-04): HOI provided, exception cleared.<br>Reviewer Comment (2025-05-21): Please provide [Redacted]<br>Seller Comment (2025-05-21): Escrow on mortgage statement is $[Redacted]. Taxes are $[Redacted]. $[Redacted]. Remaining amount of escrow is insurance. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400308 |  |  |  | 33491867 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement for [Redacted] does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-02): HOI provided, exception cleared.<br>Seller Comment (2025-06-02): HOI<br>Reviewer Comment (2025-05-21): Please provide verification of HOI.<br>Seller Comment (2025-05-21): Mortgage Statement shows escrow amount as [Redacted]. Remaining is Ins | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400311 |  |  |  | 33504809 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Borrower owns[Redacted], and borrower is not a borrower on the mortgages. Using [Redacted]calculation, [Redacted], insurance, [Redacted]and interest are added back to total expenses because they are offset by current payments. Lender's expenses included only tax, insurance and [Redacted], they added back to expenses correctly for the paid tax and insurance, however they also added interest back into total expenses although there was no offsetting P&I in current expenses. |  |  |  | Reviewer Comment (2025-06-04): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-03): DU Findings - rental calc updated | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400346 |  |  |  | 33507781 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement for [Redacted] does not itemize escrows and no hazard verification was provided. Based on worst case scenario assuming only hazard is escrowed and tax paid independently, resulting in DTI increase. |  |  |  | Reviewer Comment (2025-05-28): HOI provided, exception cleared.<br>Seller Comment (2025-05-28): HOI uploaded | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400347 |  |  |  | 33511466 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender excluded $[Redacted] from schedule E total expense on rental income for [Redacted] without documentation for repairs, resulting in increased DTI. |  |  |  | Reviewer Comment (2025-05-27): Onetime expense documentation provided, exception cleared.<br>Seller Comment (2025-05-27): Hello. Please see the attached documentation, showing $[Redacted]siding repairs | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400349 |  |  |  | 33510913 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender's rental loss on subject was $[Redacted]however calculated loss was $[Redacted], there was no income worksheet to verify difference, AUS total subject payment of $[Redacted] and gross rent of $[Redacted]does not support lender's calculation. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-04): Client downgraded based on compensating factors.<br>Reviewer Comment (2025-07-31): Regraded at client request.<br>Reviewer Comment (2025-07-31): Cleared in error<br>Reviewer Comment (2025-06-04): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-03): aus |  |  | X | 2 C B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400352 |  |  |  | 33513346 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement does not itemize escrow, verified tax amount of $[Redacted]and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-02): HOI provided, exception cleared.<br>Seller Comment (2025-05-30): Here's a breakdown of the escrow payment for [Redacted]. <br>Statement reflects [Redacted] - includes taxes and insurance payments.<br>[Redacted] - \*\*Copy of insurance binder uploaded here, the premium is also reflected on the mortgage payment with a payment paid on [Redacted]<br> [Redacted] - \*\*Pulled a new [Redacted] and uploaded here<br> Total [Redacted]<br>Total payment of [Redacted] includes a higher escrow amount for the taxes and insurance -<br> Plus [Redacted]dues of [Redacted]- statements in file (not escrowed) <br> Total [Redacted]<br>Seller Comment (2025-05-30): Here's a breakdown of the escrow payment for [Redacted]. <br>Statement reflects $[Redacted]- includes taxes and insurance payments.<br>Ins $[Redacted]- \*\*Copy of insurance binder uploaded here, the premium is also reflected on the mortgage payment with a payment paid on [Redacted]<br> Taxes $[Redacted]- \*\*Pulled a new tax cert and uploaded here<br> Total $[Redacted]<br>Total payment of $[Redacted]includes a higher escrow amount for the taxes and insurance -<br> Plus HOA dues of $[Redacted]- statements in file (not escrowed) <br> Total PITIA $[Redacted]<br>Reviewer Comment (2025-05-28): Address is [Redacted].<br>Seller Comment (2025-05-28): Hello. Please specify which REO this suspense is for. Borrower has [Redacted] REO's with [Redacted] , taxes and insurance included in the payments. Thank you for any clarity you can provide. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400366 |  |  |  | 33540998 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Lender used REO PITIA for [Redacted] of $[Redacted]while mortgage statement reflects $[Redacted]resulting in DTI of %[Redacted]. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] reflects debts and income that match diligence with approve/eligible status<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: [Redacted]% would still be eligible for [Redacted], as verified by the AUS findings returning eligible with the correct liabilities and Income submitted to Desktop Underwriter.<br>Reviewer Comment (2025-06-04): Per FMNA "For loan casefiles underwritten through DU, the maximum allowable DTI ratio is [Redacted]%." The DTI of [Redacted] exceeds the maximum allowable.<br>Seller Comment (2025-06-03): [Redacted] [Redacted]: Please see attached AUS findings verifying that the loan is still eligible after correction. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400367 |  |  |  | 33605446 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Per AUS conditions [Redacted] and [Redacted], on old loan [Redacted]on primary residence [Redacted] was being paid off and replaced with lower payment new loan [Redacted]. CD or other evidence of new loan terms was not provided. |  |  |  | Reviewer Comment (2025-06-10): Closing disclosure provided, exception cleared.<br>Seller Comment (2025-06-10): [Redacted] AD: Please see attached main condition uploaded. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400377 |  |  |  | 33623228 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Added [Redacted]- Updated tax amount on primary verified resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-17): PITIA updated, exception cleared.<br>Seller Comment (2025-06-16): [Redacted] has added in another payment of [Redacted] of [Redacted]. Once removed [Redacted]should go down.<br>Reviewer Comment (2025-06-12): Primary PITIA is matching [Redacted]and DTI still [Redacted], exception remains.<br>Seller Comment (2025-06-12): [Redacted] The qualifying PITIA is [Redacted] which would make the DTI [Redacted]%. Please clear condition. | X |  |  | 1 A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400428 |  |  |  | 33611149 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Primary residence was refinanced with new payment of $[Redacted] not disclosed on [Redacted]. Lender used lower credit report figure. |  |  |  | Reviewer Comment (2025-06-16): Received updated AUS.<br>Reviewer Comment (2025-06-16): [Redacted] - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted] exceeds AUS total debt ratio of [Redacted]<br>Reviewer Comment (2025-06-13): Please provide an updated [Redacted] reflecting the higher payment for primary residence. Even though the loan maybe in the spouse's name, there's no evidence to claim the borrower will not continue to live there and not be financially responsible for some portion of the [Redacted].<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Please see attached note. The borrower is not financially obligated for any PITIa for this property. [Redacted] Is still being conservative by hitting for the payment on the credit report which includes taxes and insurance.<br>Reviewer Comment (2025-06-11): Please provide an updated AUS reflecting the higher payment for primary residence. Even though the loan maybe in the spouse's name, there's no evidence to claim the borrower will not continue to live there and not be financially responsible for some portion of the PITIA.<br>Seller Comment (2025-06-10): [Redacted]: Please note that the CD that was provided for the refinance of the borrower's primary residence show the non-borrower as the sole borrower. Our borrower was not obligated on this refinance. [Redacted] is still hitting for the most conservative true payment that reports on the credit report. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400435 |  |  |  | 33536657 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | [Redacted] mortgage statement does not itemize escrows collected. Assuming that verified taxes are not escrowed and mortgage payment includes unverified hazard only results in DTI exception. |  |  |  | Reviewer Comment (2025-06-27): Received REO documents.<br>Seller Comment (2025-06-25): [Redacted]: See attached.<br>Reviewer Comment (2025-06-17): Please provide insurance expense verification.<br>Seller Comment (2025-06-16): [Redacted] AMB: Please see the attached confirmation that the insurance for this property is escrowed into the mortgage statement with the taxes.<br>Reviewer Comment (2025-06-04): Please provide insurance verification.<br>Seller Comment (2025-06-04): [Redacted] [Redacted]: Mortgage statement states "taxes and/or insurance" are escrowed. We verified that the monthly amount of escrows is more than the monthly tax amount, meaning that it would be "taxes and insurance" and not "taxes or insurance". The actual insurance documentation would not be required since the amount of taxes was confirmed.<br>Reviewer Comment (2025-06-02): Mortgage statement does not itemize escrow, verified tax amount of [Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. Please provide insurance verification to confirm expense.<br>Seller Comment (2025-06-02): [Redacted]: Please note that the mortgage statement shows escrow includes "taxes and/or insurance" in the amount of $[Redacted] a month. Please note that we also documented the property taxes for the property at [Redacted]. The tax bill shows the annual property tax amount of $[Redacted], which breaks down to $[Redacted] a month. Since the monthly amount of taxes on the tax bill is less than the amount of escrows reflected on the mortgage statement, it can be assumed that both taxes and insurance are escrowed. The escrow amount collected for the mortgage statement is enough to incorporate more than just monthly cost of the property taxes, so therefore the lender is not required to double hit the borrower with the monthly amount of property taxes. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400439 |  |  |  | 33557885 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement does not itemize escrow, verified tax amount for investment properties and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] [Redacted]: Please note that the Insurance expenses are included in the escrow amount. [Redacted] response is not verifying that the Insurance is not included in the escrow. Therefore, the remaining escrow amounts from the REOs cannot be added to DTI. | X |  |  | 1 A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400440 |  |  |  | 33564000 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | AUS line [Redacted]lists subject net cash flow of $-[Redacted]does not match calculated monthly cash flow of $-[Redacted]. It appears lender did not use vacancy factor on rental income resulting in DTI issue, no income worksheet provided for subject property. |  |  |  | Reviewer Comment (2025-06-04): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-04): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400447 |  |  |  | 33554871 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement does not itemize escrow, verified tax amount of $[Redacted] and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-16): Received REO documents.<br>Seller Comment (2025-06-16): [Redacted] [Redacted]: Please see attached invoice from [Redacted] showing that the annual premium paid was $[Redacted]. Monthly insurance amount of $[Redacted] included in escrow amount.<br>Reviewer Comment (2025-06-05): Please provide evidence that insurance is less than $[Redacted]monthly.<br>Seller Comment (2025-06-05): [Redacted] NR: Please note that [Redacted] can determine that the insurance amount is included in the escrow as we have provided evidence that the monthly tax amount is only $[Redacted] per month and there is still $[Redacted] leftover for insurance.<br>Reviewer Comment (2025-06-03): Please provide verification of insurance.<br>Seller Comment (2025-06-03): [Redacted] NR: Please note that the tax bill confirms the annual amount of $[Redacted], and a monthly tax amount of $[Redacted]. The escrow amount on the mortgage statement is $[Redacted]per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at [Redacted]<br>Seller Comment (2025-06-03): [Redacted] NR: Please note that the tax bill confirms the annual amount of[Redacted], and a monthly tax amount of $[Redacted] The escrow amount on the mortgage statement is [Redacted] per month. Being that the monthly tax amount is lower than the monthly escrow amount, [Redacted] can therefore make the determination that the escrow account also includes insurance for the property at[Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400453 |  |  |  | 33573482 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used credit report payment of [Redacted]while Mortgage statement for REO property of "[Redacted]" reflects monthly payment of $[Redacted]. Mortgage statement does not itemize escrow, using documented taxes as un-escrowed most conservative approach results in further DTI variance. |  |  |  | Reviewer Comment (2025-06-05): Updated AUS provided, exception cleared.<br>Seller Comment (2025-06-05): [Redacted] CW: See attached updated AUS findings with corrected mortgage payment. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400459 |  |  |  | 33597265 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | [Redacted] Ave mortgage statement does not itemize escrows. Insurance expense was not provided, assuming worst case scenario only insurance is escrowed and verified tax paid outside escrow results in DTI issue. |  |  |  | Reviewer Comment (2025-06-10): HOI provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted]: Please see the attached documentation for [Redacted]. The monthly insurance payment of $[Redacted]plus the monthly tax amount of $[Redacted]equals the escrowed amount of $[Redacted]documented for the property. The escrow includes both taxes and insurance, and the [Redacted] is eligible as is. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400477 |  |  |  | 33575921 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lenders income was not supported resulting in DTI increase. Base [Redacted][Redacted]is $[Redacted] lender used $[Redacted]. Bonus was noted as declining on [Redacted] and semi-annual on employer email, year to date/ [Redacted]months was $[Redacted] but lender used prior years average of $[Redacted] Overtime was also noted as declining on [Redacted] and supported by year end paystubs, calculated overtime of $[Redacted] from YTD but lender used prior years average again of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-05): Recalculated as variable with base and OT combined, supported higher income.<br>Seller Comment (2025-06-05): [Redacted]: For base pay, the borrower gets different pay rates based on when they work, getting paid a higher rate in the evening and on weekends. Since the borrowers payrate is variable, income was calculated as a [Redacted]+[Redacted]average as is required for fluctuating income. For Overtime, the [Redacted]confirmed that their busy season is that last 3 months of the year and that's when she gets the most OT. A lower current [Redacted]OT should be expected as the time she works the most overtime hasn't happened yet. The level of income qualified with can be reasonably expected to continue as this is how she has earned income in years prior and it would be unfair to only allow the borrower to qualify for a loan at the end of a year. For Bonus, it is similar. Based on the borrower's [Redacted]year end paystub, she received [Redacted]% of her bonus in December. In [Redacted]she only received $[Redacted]for the March bonus, whereas this year, she received $[Redacted], meaning this income is increasing if anything. A [Redacted]average would be the conservative and most accurate approach as this is what she earns in a year, and if anything, this year is likely to be more. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400482 |  |  |  | 33581961 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Primary residence [Redacted] was disclosed with $[Redacted] mortgage payment and $[Redacted] other expense verified as homeowner's association dues. Mortgage in place is a HELOC, nothing was provided to support tax and insurance expenses as escrowed. Taxes were verified from tax return, when added to expenses DTI increased outside tolerance. Hazard insurance expense was not verified, DTI may increase further. |  |  |  | Reviewer Comment (2025-06-13): Payoff evidence provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] CW: Discrepancy is credit debt, not rental. We excluded the Lowes card due to being paid in full. See attached showing $0 balance.<br>Reviewer Comment (2025-06-11): Received REO documents however recalculated DTI is [Redacted]%. Variance is due to negative rental income for other REO.<br>Reviewer Comment (2025-06-11): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Seller Comment (2025-06-10): [Redacted] [Redacted]: Borrower does own the property, they are just not obligated on the mortgage which includes taxes and insurance. We've previously provided both the mortgage statement and the note showing borrower is not obligated and taxes and insurance are escrowed. We included the HOA expense in the DTI and this was documented with the HOA receipt from [Redacted]. We treated this as monthly to be conservative as there was no indication if this was a monthly or annual payment.<br>Reviewer Comment (2025-06-06): Please provide mortgage statement, HOI and tax verification to confirm borrower does not own property.<br>Seller Comment (2025-06-06): [Redacted]: Borrower is not obligated on the first mortgage for this property and does not pay the mortgage, taxes, or insurance as they are escrowed. See attached note confirming [Redacted] was the only borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400520 |  |  |  | 33608748 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Mortgage statement does not itemize escrow, verified tax amount of $[Redacted]and assumed escrow amount as total insurance bill resulting in DTI increase. |  |  |  | Reviewer Comment (2025-06-11): Received REO documents.<br>Seller Comment (2025-06-10): [Redacted] NR: Please note that the mortgage statement fo[Redacted]s a payment of [Redacted]. The tax bill that was also provided for this property confirms an annual amount of[Redacted] or monthly $[Redacted][Redacted]can determine that since the monthly tax amount is less than the monthly Escrow payment, that the escrow account includes Insurance. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400578 |  |  |  | 33571937 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI difference is due to $[Redacted] HOA fee on [Redacted] and $[Redacted] additional unknown difference in debt. Please provide itemization of $[Redacted] total debt listed on LP approval for further review. |  |  |  | Reviewer Comment (2025-06-13): Recalculated DTI is [Redacted].<br>Reviewer Comment (2025-06-13): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Reviewer Comment (2025-06-10): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Reviewer Comment (2025-06-10): Please provide divorce decree.<br>Seller Comment (2025-06-09): [Redacted]: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the [Redacted]. [Redacted] is not responsible for the mtg or the HOA dues on this property.<br>Seller Comment (2025-06-09): [Redacted] [Redacted]: Please see attached docs that show the borrower [Redacted] went through a divorce and the property [Redacted] was given to the [Redacted]. [Redacted]is not responsible for the mtg or the [Redacted]dues on this property. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400581 |  |  |  | 33580573 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used higher housing allowance income of $[Redacted]for borrower than verified income of $[Redacted]resulting in higher DTI. |  |  |  | Reviewer Comment (2025-06-12): Updated AUS provided and schedule E income used, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]: The rental income from the subject property was calculated via Schedule E of the [Redacted] [Redacted] as opposed to the comparable rent schedule due to the gross monthly income from [Redacted]Schedule E being $[Redacted], which is lower than the gross monthly market rent of $[Redacted]. Please see the attached rental income worksheet.<br>Reviewer Comment (2025-06-10): Subject propert[Redacted] rental income of $-[Redacted]source of discrepancy. [Redacted]reflects rent of $[Redacted]5 resulting in net rental income of $[Redacted]<br>Seller Comment (2025-06-10): [Redacted] -: The borrower's liabilites have been overstated. Below is a breakdown off all liabilites: The discrepancy pertains to rental income calculation for [Redacted]. [Redacted]is utilizing net REO negative income of $[Redacted]as opposed to $[Redacted]. Please see the attached rental income worksheet.<br>Primary Rent Expense = $[Redacted]<br> REO PITI(a) - [Redacted] = $[Redacted]<br> Qualifying Subject PITI(a) = $[Redacted]<br> REO Net Rental Income - [Redacted] = $[Redacted]. <br> Credit liabilities = $[Redacted]<br>[Redacted]+ [Redacted]+ $[Redacted]+ [Redacted]+ [Redacted]= $[Redacted]<br>Reviewer Comment (2025-06-06): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted] % exceeds AUS total debt ratio of [Redacted]%.<br>Reviewer Comment (2025-06-06): AUS shows total expense of $[Redacted], Audit shows total expense of $[Redacted]of which $[Redacted]is from higher cost of REO. Unable to determine the additional $[Redacted]expense source. please provide a breakdown of [Redacted]expense amount.<br>Seller Comment (2025-06-06): [Redacted] - : Please see the revised [Redacted]and [Redacted]as well.<br>Seller Comment (2025-06-06): [Redacted]: [Redacted]Housing Allowances are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted]and their DTI increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility.<br>Seller Comment (2025-06-06): [Redacted]: [Redacted] are non-taxable and can be grossed up by [Redacted]%. The borrower's monthly housing allowance has been calculated at $[Redacted] and their [Redacted] increased to [Redacted]%. Please see the attached income worksheet and AUS findings confirming the borrower's eligibility. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400592 |  |  |  | 33675608 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Rental income was overstated for [Redacted], it is single family primary residence so income is calculated as boarder income from tax returns rather than from lease. |  |  |  | Reviewer Comment (2025-07-15): Updated rental income, exception cleared.<br>Seller Comment (2025-07-11): UW comments in rental income<br>Seller Comment (2025-07-11): [Redacted]properties<br>Seller Comment (2025-07-11): . I am attaching the documents here as well. Sched E which highlights [Redacted] as a multifamily and [Redacted]guidelines showing it doesn't matter what the property type is for properties that are not our subject. <br>Boarder income would only apply if it were the subject property. I uploaded [Redacted]guidelines for other REO property types. It doesn't matter what the property is especially if it is being reported on the tax returns.<br>Reviewer Comment (2025-07-09): Rental income was overstated for [Redacted], it is single family primary residence so income is calculated as boarder income from tax returns rather than from lease.<br>Reviewer Comment (2025-07-09): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds [Redacted]total debt ratio of [Redacted]%.<br>Seller Comment (2025-07-07): [Redacted]<br>Reviewer Comment (2025-07-07): EXCEPTION HISTORY - Exception Explanation was updated on[Redacted][Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of[Redacted] exceeds AUS total debt ratio of [Redacted]<br>Reviewer Comment (2025-07-07): Lender response indicates other income was [Redacted], however [Redacted] indicates income was $[Redacted] Please provide corrected [Redacted] and verification to support IRA distribution for further review.<br>Seller Comment (2025-07-02): [Redacted]: Government pension per award letter $[Redacted]<br> J[Redacted]IRA distributions $[Redacted]see IRA statement in file<br>P[Redacted]k- employment- see income worksheet in file base plus OT. $[Redacted]+[Redacted]= $[Redacted].<br> Please clairfy what you need.<br>Seller Comment (2025-07-02): I didn't provide [Redacted] income of $[Redacted]other or [Redacted], can you please clarify?<br>Reviewer Comment (2025-07-02): [Redacted] missing $[Redacted] "other" and [Redacted]overtime income $[Redacted]on [Redacted]was not supported.<br>Seller Comment (2025-07-02): Please advise of review.<br>Seller Comment (2025-06-30): updated [Redacted]<br>Seller Comment (2025-06-30): See lpa<br>Reviewer Comment (2025-06-27): No new LP findings are evident as noted in lender's comment. Can you please provide the updated AUS and [Redacted]as noted thanks.<br>Seller Comment (2025-06-26): [Redacted] retirrment<br>Seller Comment (2025-06-26): UW loe rental<br>Seller Comment (2025-06-26): LOE income from UW | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400595 |  |  |  | 33676486 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used lower cost for [Redacted] than reflected on [Redacted] and REO verification documentation resulting in higher DTI. |  |  |  | Reviewer Comment (2025-07-15): Updated DTI met requirements.<br>Seller Comment (2025-07-14): REV AUS/[Redacted]/[Redacted]<br>Seller Comment (2025-07-14): REV[Redacted]<br>Reviewer Comment (2025-07-08): We agree with the updated rental income calculations please provide updated [Redacted], [Redacted]and AUS reflecting the rental income. File currently doesn't evidence rental income was used.<br>Seller Comment (2025-07-03): The tax returns showed the property was in use for [Redacted]days (which would be [Redacted] months) in [Redacted]. But the worksheet uses the # of months. The UW updated the worksheet to [Redacted] months, and the cash flow now shows a positive amount of $[Redacted] instead a loss of $[Redacted]. So, the ratios should be lower than what was used. Will this work?<br>Reviewer Comment (2025-07-02): Rent analysis reflects number of months in service as [Redacted]when it should be [Redacted]. Lender included -$[Redacted]as negative rent, however actual is -$[Redacted] resulting in the variance.<br>Seller Comment (2025-07-01): SCHEDULE E RENTAL ANALYSIS | X |  |  | 1 C A |  | X | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400596 |  |  |  | 33730690 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lenders rental income worksheet for subject use gross income and expenses from [Redacted]way resulting in decrease. Lender rental income worksheet for [Redacted]uses a lower mortgage payment of $[Redacted]however updated credit report reflects mortgage payment of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-07): Received updated AUS.<br>Seller Comment (2025-07-03): Please see the attached revised AUS and Rental Cash Flow Calculator. Thank you. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | GCATINV400597 |  |  |  | 33673571 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender has considered qualifying income of $[Redacted]using higher rental income with no lease provided, however as per actual income is $[Redacted]. This leads to DTI increased. |  |  |  | Reviewer Comment (2025-07-01): Received updated AUS reflecting [Redacted]% DTI.<br>Seller Comment (2025-06-27): Hello. Please see the attached AUS reflecting DTI [Redacted]%. Thank you.<br>Reviewer Comment (2025-06-26): Please provide updated AUS reflecting DTI of [Redacted]%.<br>Seller Comment (2025-06-24): Please review the previously uploaded revised AUS and advise how we can proceed. Thank you. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D A C | N/A | N/A | No |
|  | GCATINV400613 |  |  |  | 33789195 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used rental income of $[Redacted] on [Redacted] with no supporting documentation resulting in DTI increase. |  |  |  | Reviewer Comment (2025-07-01): Received REO documents.<br>Seller Comment (2025-06-30): REO Docs | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400869 |  |  |  | 34007310 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to [Redacted]missing the rental income documentation for the [Redacted]property. Note - there is a lease in the file from prior to the borrower's purchase of this property. Please confirm if this lease transferred, and provide the other one, if applicable, as this lease covers only half of what was considered for gross rents. Diligence will also need confirmation of the Venmo deposits being made on the bank statements for rent on this property. Per LOE, they do not align with the lease amounts. |  |  |  | Reviewer Comment (2025-07-21): Client escalation: L[Redacted]was accepted at origination regarding the payments not matching. Additionally, based on the borrower building the portfolio of rental real estate in[Redacted] accepting the leases as-is. Exception cleared.<br>Reviewer Comment (2025-07-18): The DTI variance has been rectified with the response from the client and revised[Redacted] provided which updated the qualifying DTI to [Redacted]%. Diligence has not received documentation to support the rental payments that are seen on the bank statements. We are unable to line these up as the amounts don't match. Additionally, we don't have confirmation as to why the leases are not in the borrower's name. There are quite a few leases on various[Redacted]) with [Redacted]Properties indicated as the landlord, but no affiliation by the borrower and this company exists in the file.[Redacted] requires [Redacted] months' bank statements showing the income deposits along with the signed lease when not filed on Schedule E. We do not have this verification for the following: [Redacted]; [Redacted]; and [Redacted]- [Redacted] Please advise.<br>Buyer Comment (2025-07-16): Please see attached, we can confirm the rental income was calculated incorrectly. It has been updated to match the $[Redacted]a month confirmed by the lease agreement. DTI still inline. I have attached the updated AUS, [Redacted]and [Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV400872 |  |  |  | 34007313 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due the lender's cash flow on the [Redacted]being greater than diligence. The meals and entertainment expense does not appear to have been considered and there is an additional variance which is not able to be determined. There is also a nonpassive carryover on Schedule E of over $[Redacted]that was not addressed. Total taxable earnings of the company in [Redacted]was -$[Redacted]. Please provide support for the cash flow considered on this business. |  |  |  | Reviewer Comment (2025-08-05): Received updated AUS with additional income.<br>Reviewer Comment (2025-07-17): The only year diligence was provided was [Redacted]for the borrower's business. Cash flow considered by diligence for [Redacted](borrower is [Redacted]% owner): K1 ordinary income/loss: ([Redacted]) - Meals and Entertainment ($[Redacted]) + depreciation $[Redacted]+ W2[Redacted]$[Redacted]= $[Redacted]/[Redacted] = $[Redacted]/month qualifying income. It appears based on the cash flow provided that the lender did not consider the [Redacted] ordinary business loss of ($[Redacted]). The notes reflect only ($[Redacted]) was considered. Exception remains.<br>Buyer Comment (2025-07-16): Per the attached guidance, carryover losses are considered qualifying loss limitations and are not to be included in the DTI calculation. Please also see the attached income calculation explanation confirming meals and entertainment were considered. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | GCATINV400920 |  |  |  | 34007358 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The file was missing the Final CD and [Redacted]from the recent transaction with the lender on [Redacted]. Please provide evidence of the PITIA and documentation to support the rental income considered for this property. |  |  |  | Reviewer Comment (2025-07-16): [Redacted] and Final Closing Disclosure. Exception cleared<br>Buyer Comment (2025-07-15): Please see the attached [Redacted]and final CD for the non subject property.<br>Buyer Comment (2025-07-15): Please see the attached [Redacted] for the non subject property. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV401014 |  |  |  | 34049688 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI variance due to the cash flow considered on the [Redacted]. Schedule E reflected $[Redacted]in repairs and the file was missing a copy of the repair invoice(s). Please provide receipts for the $[Redacted]add back considered in the cash flow for this property. |  |  |  | Reviewer Comment (2025-06-30): Provided updated [Redacted], AUS and [Redacted]documents, Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the updated [Redacted], we added in proof of self-employment and the [Redacted] for realtor, and updated aus, [Redacted].<br>Buyer Comment (2025-06-27): Please see the updated AUS, we added in proof [Redacted][Redacted]record for realtor, and updated aus, [Redacted], [Redacted].<br>Buyer Comment (2025-06-27): Please see the updated AUS, we added in proof of self-employment and the schedule c record for realtor, and updated aus, [Redacted], [Redacted].<br>Buyer Comment (2025-06-27): Please see the updated AUS, we added in proof of self-employment and the schedule c record for realtor, and updated aus, [Redacted] [Redacted]. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | GCATINV401020 |  |  |  | 34049700 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to a cash flow variance for the REO on [Redacted]. Schedule E (without repairs added back) reflects a loss of $[Redacted]/month. Please provide support for the cash flow considered on this property. |  |  |  | Reviewer Comment (2025-06-30): Provided Updated [Redacted], [Redacted]and AUS Documents. Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached for the updated [Redacted] and AUS showing DTI is at [Redacted]%. Qualifying amounts for the [Redacted] mortages, rental income and taxes/HOI have been corrected.<br>Buyer Comment (2025-06-27): Please see the attached for the updated [Redacted], [Redacted]and AUS showing DTI is at [Redacted]%. Qualifying amounts for the [Redacted]mortages, rental income and taxes/HOI have been corrected.<br>Buyer Comment (2025-06-27): Please see the attached for the updated [Redacted], [Redacted] and AUS showing DTI is at [Redacted]%. Qualifying amounts for the [Redacted] mortages, rental income and taxes/HOI have been corrected. | X |  |  | 1 C A |  | X | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | GCATINV401022 |  |  |  | 34049701 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The rental property at [Redacted] has a calculated loss of -$[Redacted]/month versus the lender's consideration of -$[Redacted]/month. Diligence has considered the [Redacted]average as the loss increased from [Redacted]. This property is not rented out [Redacted]days per year, therefore the cash flow was performed only over the months rented. Please provide documentation to support the cash flow considered by the lender. |  |  |  | Reviewer Comment (2025-07-01): Provided Updated AUS Document. Exception Cleared.<br>Buyer Comment (2025-06-30): Please see the attached aus findings.<br>Reviewer Comment (2025-06-30): Received updated [Redacted]and [Redacted]document, please provided updated AUS, Exception Remains.<br>Buyer Comment (2025-06-27): Please see the attachment showing no rental income for that property, as the final amount calculcated is close to[Redacted]<br>Buyer Comment (2025-06-27): Please see the attachment showing no rental income for that property, as the final amount calculcated is close to [Redacted]. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400055 |  |  |  | 32941886 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | File is missing additional [Redacted] for [Redacted] account[Redacted][Redacted]which was used to qualify per Final[Redacted] and AUS. |  |  |  | Reviewer Comment (2025-03-04): Received additional month statement<br>Reviewer Comment (2025-03-04): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[Redacted] is less than AUS Available for Reserves of $[Redacted]<br>Seller Comment (2025-03-03): Please see [Redacted] Statement | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400097 |  |  |  | 33089015 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | [Redacted] was not sourced causing verified assets to be insufficient to cover cash from borrower and required reserves. |  |  |  | Reviewer Comment (2025-04-18): Per [Redacted]LOE indexed with the EMD source, the funds are from a non-purchaser who signed the mortgage, deed and contract. Per [Redacted]email, all requirements to source the funds have been satisfied.<br>Seller Comment (2025-04-16): [Redacted]See attached email from[Redacted] [Redacted] where we got clarification on this [Redacted]<br>Reviewer Comment (2025-04-10): The person giving the [Redacted]mo[Redacted] deposit is not a [Redacted] but is on title and signed security instrument. Provide the section of the [Redacted] selling guide you are referring in your comment.<br>Seller Comment (2025-04-09): [Redacted] This guidance was only eligible for loans with application dates prior to [Redacted] and is therefore no longer reflected in the guides. This is effectively the same thing as a gift, just with less strict requirements for a gift letter. Instead of all the gift letter requirements, just an LOX from the [Redacted] confirming their is no expectation of repayment was sufficient.<br>Reviewer Comment (2025-04-07): Please provide which section of the [Redacted]guides talks about this asset type.<br>Seller Comment (2025-04-03): [Redacted]: See attached letter of explanation<br>Reviewer Comment (2025-04-01): There is no LOX in file confirming the $[Redacted]source. Nothing listed within the contract or addenda confirming this.<br>Seller Comment (2025-03-27): [Redacted] We followed [Redacted]guidance for funds from an [Redacted], it is similar to a [Redacted]. There is a [Redacted] from the [Redacted]i n file confirming this is not a loan and there is no expectation of repayment and there is an [Redacted] wire showing it was paid by the [Redacted]. [Redacted]does not require a full gift letter when the funds are coming from an [Redacted]who is also on the purchase agreement. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400123 |  |  |  | 33092132 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Per AUS the borrower required reserves is [Redacted], the borrower only has [Redacted] available for reserves, the reason is the checking account asset with a balance of [Redacted] is missing from the file. |  |  |  | Reviewer Comment (2025-04-02): Business bank statement provided, asset requirement met per AUS, exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached statement for [Redacted][Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D B C A | N/A | N/A | No |
|  | GCATINV400210 |  |  |  | 33277717 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Reserves of $[Redacted]is less than AUS Available for Reserves of $[Redacted]; provided supporting documents. |  |  |  | Reviewer Comment (2025-04-28): Exception cleared.<br>Seller Comment (2025-04-24): ret<br>Seller Comment (2025-04-24): res<br>Reviewer Comment (2025-04-23): [Redacted]reflects [Redacted] #[Redacted]h a balance of $[Redacted]but documentation reflects $[Redacted], exception remains.<br>Seller Comment (2025-04-22): verified $[Redacted], funds needed to be verified including reserves was $[Redacted]<br>Reviewer Comment (2025-04-21): No additional assets provided.<br>Seller Comment (2025-04-18): reserves | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33446037 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Missing evidence of funds received and expense for new $[Redacted]2nd lien on primary from [Redacted]. |  |  |  | Reviewer Comment (2025-05-20): HELOC closing statement provided showing funds to borrower, exception cleared.<br>Seller Comment (2025-05-19): DU Findings show the Heloc payment included in the ratio's | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400269 |  |  |  | 33489975 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Large deposit of $[Redacted]in [Redacted] account #[Redacted]on [Redacted] with no explanation provided. |  |  |  | Reviewer Comment (2025-05-21): Source of deposit provided, exception cleared.<br>Seller Comment (2025-05-21): Docs for [Redacted]deposit in amount of $[Redacted] | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400301 |  |  |  | 33481210 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Missing cancelled check #[Redacted]or written statement from the EMD holder verifying receipt of the funds or wire transfer confirmation per [Redacted]. |  |  |  | Reviewer Comment (2025-05-21): EMD deposit provided, exception cleared.<br>Seller Comment (2025-05-21): [Redacted] verification | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400378 |  |  |  | 33580198 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | LP listed [Redacted] xxx[Redacted] Business Checking with a balance of $[Redacted] this account was omitted due to Business funds in loan file does not show borrower name and documentation in loan file does not show borrower is authorized to Deposit or withdraw from account (his name shows as a signer to be added later) resulting in a shortage. |  |  |  | Reviewer Comment (2025-06-09): Bank documentation provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400405 |  |  |  | 33613034 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[Redacted]is less than AUS Available for Reserves of $[Redacted]; provide additional bank statement to fulfill cash to close requirement. |  |  |  | Reviewer Comment (2025-06-12): Bank statements provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] Please see attached. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400494 |  |  |  | 33613450 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | AUS approval required $[Redacted]to close, however actual was $[Redacted]. After increase in cash to close, total assets were short reserves. |  |  |  | Reviewer Comment (2025-06-18): Received asset statement.<br>Seller Comment (2025-06-16): [Redacted]: [Redacted] allows for using [Redacted] of the balance of revolving account as the monthly payment. Therefore, we can take [Redacted]of the additional credit card balance and include this in the borrowers DTI to account for this, rather than documenting the statement that payment was made from. The additional $[Redacted]/month does not have a meaningful impact on DTI and borrower had sufficient reserves in their accounts at the time of closing.<br>Reviewer Comment (2025-06-12): Appraisal was paid by credit card and unable to be counted towards assets.<br>Seller Comment (2025-06-12): [Redacted] CW: Appraisal was paid for prior to closing via credit card and should not be included in funds needed for closing. Extra $[Redacted]makes reserves sufficient. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400517 |  |  |  | 33615713 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Missing Closing Disclosure for new simultaneous HELOC on primary residence. Approval and incomplete Closing Disclosure provided were not sufficient to verify assets.. |  |  |  | Reviewer Comment (2025-06-12): HELOC agreement provided, exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400747 |  |  |  | 33941051 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  |  |  |  |  | Reviewer Comment (2025-06-20): Provided Bank statements for [Redacted] Checking and [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-19): Please see the attached [Redacted] for the qualifying assets, note the $[Redacted]deposit is sourced from the [Redacted]account check made on [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401018 |  |  |  | 34049695 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Funds are insufficient due to the missing [Redacted] account. Please provide the most recent stock account for review. |  |  |  | Reviewer Comment (2025-06-30): Provided [Redacted][Redacted]for [Redacted]Non-liquid asset statement . Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached [Redacted] statements. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400012 |  |  |  | 32125847 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Asset statements provided do not identify owner, accounts can not be included. |  |  |  | Reviewer Comment (2024-12-17): Received statement.<br>Seller Comment (2024-12-13): [Redacted] [Redacted]- The account owner is highlighted and listed at the top of the page on most recent document sent over.<br>Reviewer Comment (2024-12-12): Transaction history does not state the account owners, exception remains.<br>Seller Comment (2024-12-11): [Redacted] [Redacted]- Please clarify how these aren't covered. This period covers more than a full month, the last [Redacted] of the account number are listed which is all the guideline requires, and the borrower's full name is listed. Attaching a copy with these details highlighted.<br>Reviewer Comment (2024-12-09): Transaction history fails to show owner of account or full account number, and per [Redacted] account statement cover a [Redacted]-month period or a direct account verification required.<br>Seller Comment (2024-12-09): [Redacted] - Transaction histories are acceptable as [Redacted] documentation as long as they meet all investor documentation requirements. Identify the financial institution ([Redacted]), Identify the account owner ([Redacted]), Identify the account number, which at a minimum must include the last four digits ([Redacted]), Identify the type of account [Redacted]), Show all transactions (All included for period, evidenced by balance), Show the period covered ([Redacted] - [Redacted]), Show the ending balance ($[Redacted]), and show any outstanding loans secured by the asset (N/A, you don't take loans against a money market)<br>Reviewer Comment (2024-12-06): Personal bank statement for #[Redacted]s still missing in file. Exception remains.<br>Seller Comment (2024-12-05): [Redacted] CW - Document lists ""[Redacted]" on the top of the page in the banner | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400403 |  |  |  | 33591601 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Account listed on[Redacted] with [Redacted] with balance of $[Redacted] was not provided. |  |  |  | Reviewer Comment (2025-06-09): Bank statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted]: Please see attached.<br>Seller Comment (2025-06-09): [Redacted] AD: Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400517 |  |  |  | 33615623 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Missing Closing Disclosure for new [Redacted] [Redacted]on primary residence. Approval and incomplete Closing Disclosure provided were not sufficient to verify assets.. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] agreement provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] CW: See attached approval and heloc agreement | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400747 |  |  |  | 33941048 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Reserves are insufficient due to the Missing bank statements. Please provide the most recent Bank Statement for review |  |  |  | Reviewer Comment (2025-06-20): Provided Bank statements for[Redacted]Checking and Savings Account # [Redacted] Exception Cleared.<br>Buyer Comment (2025-06-19): Please see the attached two months [Redacted]for the qualifying assets, note the $[Redacted]deposit is sourced from the [Redacted]account check made on [Redacted]. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400837 |  |  |  | 34007276 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Documented qualifying Assets of ___ is less than AUS Available for Closing of ___. | A life insurance policy was used for closing funds. Per AUS, if the cash value of the policy is considered for closing, evidence of liquidation must be provided. Based on the [Redacted]% requirement, the stock account may also not be eligible for use at [Redacted]%. Please provide evidence of liquidation of the [Redacted]life insurance policy, or other sufficient funds to close. Note - it's unable to be determined based on the statements if the [Redacted]cash account is solely for internal trading purposes or can be withdrawn from, but even if diligence was to consider this amount unrestricted, funds are insufficient for closing. |  |  |  | Reviewer Comment (2025-08-05): Evidence of liquidation totaling $[Redacted] prior to closing from the life insurance policy was provided. Remaining funds considered for reserves only. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C |  | N/A | No |
|  | GCATINV401018 |  |  |  | 34049697 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Funds are insufficient due to the missing Robinhood account. Please provide the most recent stock account for review. |  |  |  | Reviewer Comment (2025-06-30): Provided Bank statements for Robinhood Non-liquid asset statement . Exception Cleared.<br>Buyer Comment (2025-06-27): Please see the attached [Redacted]statements. | X |  |  | 1 C A |  | X | Investment | Purchase | C A |  | N/A | No |
|  | GCATINV400002 |  |  |  | 31307673 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall, missing an AUS. |  |  |  | Reviewer Comment (2024-08-16): AUS received and updated in file; Exception cleared. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400012 |  |  |  | 32093601 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to asset and real estate document issues. |  |  |  | Reviewer Comment (2024-12-17): Received statement. | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400055 |  |  |  | 32941887 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing additional [Redacted] statements for [Redacted] account[Redacted]which was used to qualify per Final[Redacted] and AUS. |  |  |  | Reviewer Comment (2025-03-04): Received additional month statement<br>Seller Comment (2025-03-03): Additional Statement uploaded | X |  |  | 1 C A |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400097 |  |  |  | 33111444 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [Redacted] was not sourced causing verified assets to be insufficient to cover cash from borrower and required reserves. |  |  |  | Reviewer Comment (2025-04-18): Per [Redacted]LOE indexed with the EMD source, the funds are from a non-purchaser who signed the mortgage, deed and contract. Per [Redacted]email, all requirements to source the funds have been satisfied.<br>Seller Comment (2025-04-16): [Redacted]See attached email from[Redacted] Risk Manager where we got clarification on this guidance<br>Reviewer Comment (2025-04-10): The person giving the earnest money deposit is not a borrower but is on title and signed security instrument. Provide the section of the [Redacted] selling guide you are referring in your comment.<br>Seller Comment (2025-04-09): [Redacted] This guidance was only eligible for loans with application dates prior to [Redacted] and is therefore no longer reflected in the guides. This is effectively the same thing as a gift, just with less strict requirements for a gift letter. Instead of all the gift letter requirements, just an LOX from the [Redacted] confirming their is no expectation of repayment was sufficient.<br>Reviewer Comment (2025-04-07): Please provide which section of the [Redacted]guides talks about this asset type.<br>Seller Comment (2025-04-03): [Redacted]: See attached letter of explanation<br>Reviewer Comment (2025-04-01): There is no LOX in file confirming the $[Redacted]source. Nothing listed within the contract or addenda confirming this.<br>Seller Comment (2025-03-27): [Redacted] We followed [Redacted]guidance for funds from an [Redacted], it is similar to a gift. There is a LOX from the [Redacted]i n file confirming this is not a loan and there is no expectation of repayment and there is an [Redacted]wire showing it was paid by the [Redacted]. [Redacted]does not require a full gift letter when the funds are coming from an [Redacted]who is also on the purchase agreement. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400115 |  |  |  | 33091975 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Source of Earnest Money Deposit is required for [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): [Redacted]not required<br>Seller Comment (2025-04-03): [Redacted]: Investment properties do not have a minimum borrower contribution because all funds are required to be paid by the borrower. [Redacted] is not required to be sourced for every investment property. The guideline cited is for when there is a specific requirement, like [Redacted]% for [Redacted] unit second homes, to ensure that at least [Redacted]% came from the borrower. We can effectively treat the loan as though there was not an EMD at all and borrower has sufficient funds to close.<br>Reviewer Comment (2025-04-01): Per [Redacted] guides - [Redacted]<br> When an [Redacted] for a purchase transaction is used to qualify the Borrower for the Mortgage transaction, the Seller must obtain evidence that the [Redacted]check cleared the Borrower's account (e.g., [Redacted] from the [Redacted] holder verifying receipt of the funds).<br>When the [Redacted] is needed to meet the minimum contribution from Borrower personal funds, the Seller must:<br>Verify that the source of the [Redacted] is an eligible asset type and document it in accordance with the applicable requirements in this section<br> Provide account statement(s) (based on Streamlined Accept or Standard documentation requirements, as applicable) or a direct account verification (i.e., [Redacted]) that covers the period up to and including the date the [Redacted] funds cleared the account. This is missing.<br>Seller Comment (2025-03-27): [Redacted]: Balance for [Redacted] [Redacted]should be $[Redacted]which allows for plenty of funds to back out the EMD. See attached statement. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400123 |  |  |  | 33092140 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The borrower is required to bring [Redacted] for reserves and [Redacted] is the required closing funds, the file is missing the checking account statement with a balance [Redacted] which is causing the shortage of funds. |  |  |  | Reviewer Comment (2025-04-02): Business bank statement provided, asset requirement met per AUS, exception cleared.<br>Seller Comment (2025-03-27): [Redacted]: Please see the attached statement for [Redacted][Redacted] | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | D B C A | N/A | N/A | No |
|  | GCATINV400126 |  |  |  | 33086079 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to Asset requirement not met. [Redacted]. [Redacted] must come from their own funds however bank statements are not reflecting the source of [Redacted]. |  |  |  | Reviewer Comment (2025-04-02): EMD sourced<br>Seller Comment (2025-03-27): [Redacted]: Please see that the EMD can be seen being wired out of the borrower's [Redacted] [Redacted]on [Redacted], which is also confirmed by the receipt from the title company confirming that they received the EMD funds from the borrower. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400210 |  |  |  | 33277718 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserve requirement not met; provided supporting documents. |  |  |  | Reviewer Comment (2025-04-28): Exception cleared.<br>Seller Comment (2025-04-24): stateme | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400251 |  |  |  | 33446933 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall for missing new [Redacted]nd lien. |  |  |  | Reviewer Comment (2025-05-20): HELOC closing statement provided showing funds to borrower, exception cleared.<br>Seller Comment (2025-05-19): DU Findings showing the HELOC payment included in ratios | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400269 |  |  |  | 33489976 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to missing asset documentation. |  |  |  | Reviewer Comment (2025-05-21): Source of deposit provided, exception cleared.<br>Seller Comment (2025-05-21): Suspense doc uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400301 |  |  |  | 33481211 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to missing assets. |  |  |  | Reviewer Comment (2025-05-21): EMD deposit provided, exception cleared.<br>Seller Comment (2025-05-21): EMD verification uploaded | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400378 |  |  |  | 33580199 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to shortage of asset. |  |  |  | Reviewer Comment (2025-06-09): Bank documentation provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted] MM: The document shows that they were to added and that was to expire/ completed in 2024. Please see copy of doc that shows a list of all shareholder.<br>Reviewer Comment (2025-06-06): Document provided states borrowers to be added later and is not signed. please provide updated documentation reflecting borrower has been added and is a current signer.<br>Seller Comment (2025-06-06): [Redacted] MM: Please see attached document that shows business depository certificate and show our borrower to be added to the account. | X |  |  | 1 C A |  | X | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
|  | GCATINV400403 |  |  |  | 33591629 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to short assets. |  |  |  | Reviewer Comment (2025-06-09): Bank statement provided, exception cleared.<br>Seller Comment (2025-06-09): [Redacted]D: Please see attached. | X |  |  | 1 C A |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400405 |  |  |  | 33613044 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to missing asset documents. |  |  |  | Reviewer Comment (2025-06-12): Bank statements provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted] [Redacted]: Please see main conditions uploaded. | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400494 |  |  |  | 33613451 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | waterfall due to asset documentation |  |  |  | Reviewer Comment (2025-06-18): Received asset statement.<br>Seller Comment (2025-06-16): [Redacted]: [Redacted] allows for using [Redacted]% of the balance of revolving account as the monthly payment. Therefore, we can take [Redacted]% of the additional credit card balance and include this in the borrowers DTI to account for this, rather than documenting the statement that payment was made from. The additional $[Redacted]/month does not have a meaningful impact on DTI and borrower had sufficient reserves in their accounts at the time of closing.<br>Reviewer Comment (2025-06-12): Appraisal was paid by [Redacted] and unable to be counted towards [Redacted].<br>Seller Comment (2025-06-12): [Redacted]: Appraisal was paid for prior to closing via credit card and should not be included in funds needed for closing. Extra $[Redacted]makes reserves sufficient. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400517 |  |  |  | 33615751 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing Closing Disclosure for new simultaneous HELOC on primary residence. Approval and incomplete Closing Disclosure provided were not sufficient to verify assets.. |  |  |  | Reviewer Comment (2025-06-12): HELOC agreement provided, exception cleared.<br>Seller Comment (2025-06-12): [Redacted]<br> CW: See attached approval and heloc agreement<br>Seller Comment (2025-06-12): [Redacted]: See attached approval and [Redacted]<br>Seller Comment (2025-06-12): [Redacted]: See attached approval and heloc agreement | X |  |  | 1 C A |  | X | Investment | Purchase | D A C | N/A | N/A | No |
|  | GCATINV400645 |  |  |  | 33819399 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Use of Business Assets<br> When a borrower is using self-employment income to qualify for the loan and also intends to use assets from their business as funds for the down payment, closing costs, and/or financial reserves, the lender must perform a business cash flow analysis to confirm that the withdrawal of funds for this transaction will not have a negative impact on the business. To assess the impact, the lender may require a level of documentation greater than what is required to evaluate the borrower's business income (for example, several months of recent business asset statements in order to see cash flow needs and trends over time, or a current balance sheet). This may be due to the amount of time that has elapsed since the most recent tax return filing, or the lender's need for information to perform its analysis. Only business assets are being used for fund to close and EMD. |  |  |  | Reviewer Comment (2025-07-08): Received cash flow analyses, exception cleared.<br>Seller Comment (2025-07-08): [Redacted]: Please see attached document<br>Reviewer Comment (2025-07-07): Exception remains open. A Non-Signed LOE was provided just summarizing the assets in the file and not an actual Cash Flow Analysis that was required to be done prior to closing<br>Seller Comment (2025-07-03): [Redacted] [Redacted]: Please see the attached documents<br>Seller Comment (2025-07-03): [Redacted]: Please see the attached documents<br>Seller Comment (2025-07-03): [Redacted] MM: Please see the attached documents | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400648 |  |  |  | 33819400 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Business assets are being use for this transaction. Withdrawals of assets from the business may have a negative impact on the ability of the business to continue operating. When business assets are being used for the Down Payment, Closing Costs and/or reserves, the Seller must determine that the withdrawal of the funds will not have a detrimental effect on the business. In addition to a review and analysis of the personal and business tax returns, the Seller may review and analyze the current financial statement and/or the last three months of the business bank statements to confirm the deposits, withdrawals and balances are supportive of a viable business and are aligned with the level and type of income and expenses reported on the business tax returns.<br> The factors contributing to the determination that the withdrawal will not negatively impact the business must be included on the Seller's written analysis of the income source and amount |  |  |  | Reviewer Comment (2025-07-09): Removed assets, exception cleared.<br>Seller Comment (2025-07-09): [Redacted] [Redacted]: Business accounts not needed for qualification. Removed and attaching updated AUS.<br>Reviewer Comment (2025-07-08): We have[Redacted]eparate business account, both borrowers are wage earners using business assets, will need a letter from the CPA stating the use of business assets will not negatively impact the business and letter from the owners of [Redacted] the borrowers can have access to this funds.<br>Seller Comment (2025-07-03): Cash Flow Analysis<br>If there are two months of statements available: Compare the beginning balance of the previous month's statement with the ending balance of the most recent month's statement. If the most recent ending balance is greater than the beginning balance of the previous month, all funds on the current basis can be used.<br>The business asset statements that we have in file are from [Redacted]-[Redacted]-[Redacted]-[Redacted]. Since the end balance of the April statement is $[Redacted] and the beginning balacne of the March statement is $[Redacted]we can see the business assets are trending upwards over a two-month span, it is a sign that the business is in a healthy state and business assets can be used in the transaction.<br>Seller Comment (2025-07-03): Cash Flow Analysis<br>If there are two months of statements available: Compare the beginning balance of the previous month's statement with the ending balance of the most recent month's statement. If the most recent ending balance is greater than the beginning balance of the previous month, all funds on the current basis can be used.<br>The business asset statements that we have in file are from [Redacted][Redacted]Since the end balance of the April statement is $[Redacted] and the beginning balacne of the March statement is $[Redacted] we can see the business assets are trending upwards over a two-month span, it is a sign that the business is in a healthy state and business assets can be used in the transaction. | X |  |  | 1 C A |  | X | Investment | Purchase | D B C A | N/A | N/A | No |
|  | GCATINV400663 |  |  |  | 33797449 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Per [Redacted]guides - Withdrawals of assets from the business may have a negative impact on the ability of the business to continue operating. When business assets are being used for the Down Payment, Closing Costs and/or reserves, the Seller must determine that the withdrawal of the funds will not have a detrimental effect on the business. In addition to a review and analysis of the personal and business tax returns, the Seller may review and analyze the current financial statement and/or the last three months of the business bank statements to confirm the deposits, withdrawals and balances are supportive of a viable business and are aligned with the level and type of income and expenses reported on the business tax returns. Account [Redacted] is missing a [Redacted] month for review and confirmation the use will not impact the business. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] was utilized, exception cleared.<br>Seller Comment (2025-06-30): [Redacted] - [Redacted]: An additional month of business bank statements for [Redacted][Redacted]is not required, as Schedule L of the [Redacted] business tax returns for[Redacted] confirms the business's current assets (Lines [Redacted]) are greater than current liabilites (Lines [Redacted]). Due to the health of the business being confirmed via the most recent year of business tax returns, the current asset statement can be utilized as a standalone document, and the guidelines listed in [Redacted]Mac [Redacted]have been met. | X |  |  | 1 C A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400671 |  |  |  | 33797541 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Per [Redacted] guides for business assets - Withdrawals of assets from the business may have a negative impact on the ability of the business to continue operating. When business assets are being used for the Down Payment, Closing Costs and/or reserves, the Seller must determine that the withdrawal of the funds will not have a detrimental effect on the business. In addition to a review and analysis of the personal and business tax returns, the Seller may review and analyze the current financial statement and/or the last three months of the business bank statements to confirm the deposits, withdrawals and balances are supportive of a viable business and are aligned with the level and type of income and expenses reported on the business tax returns. Accounts [Redacted] and [Redacted] are missing [Redacted] additional months of statements and missing confirmation of the use impacting the business. |  |  |  | Reviewer Comment (2025-07-02): Sch L was utilized, exception cleared.<br>Seller Comment (2025-06-30): [Redacted] - : [Redacted]additional months of business bank statements for [Redacted] and #[Redacted] are not required, as Schedule L of the [Redacted]business tax returns for Restore Construction Services confirms the business's current assets (Lines [Redacted]) are greater than current liabilites (Lines [Redacted]). Due to the health of the business being confirmed via the most recent year of business tax returns, the current asset statement can be utilized as a standalone document, and the guidelines listed in [Redacted] have been met. | X |  |  | 1 C A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400465 |  |  |  | 33561374 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraiser license not effective until after date appraisal report was completed, effective date [Redacted], license attached to appraisal indicates effective date[Redacted]. |  |  |  | Reviewer Comment (2025-06-04): License history provided, exception cleared.<br>Seller Comment (2025-06-04): [Redacted]: Please see attachment which provides license history confirming the appraiser has been licensed consecutively since [Redacted] | X |  |  | 1 C A |  | X | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400126 |  |  |  | 33086034 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted] and no appraisal transfer letter was provided. |  |  |  | Reviewer Comment (2025-04-29): waived<br>Reviewer Comment (2025-04-01): Client to review, non material exception.<br>Seller Comment (2025-03-27): [Redacted]: Please note that the appraisal reflects [Redacted]as the lender, which is acceptable. The loan was submitted to [Redacted]from one of our Correspondent Brokers, who is listed as the Lender on other loan documentation in the file. Please see the attached Correspondent Purchase Advice showing [Redacted] as the Correspondent Lender for [Redacted]on this loan. |  |  | X | 2 B |  | X | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400127 |  |  |  | 33084745 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted]. rather than actual lender [Redacted] and no appraisal transfer letter was provided. |  |  |  | Reviewer Comment (2025-04-01): Client to review, non material exception.<br>Seller Comment (2025-03-27): [Redacted] [Redacted]: We're unclear why the appraiser listed [Redacted], however this appraisal was completed for [Redacted] as evidenced by Invoice addressed to [Redacted], AIR Cert addressed to [Redacted], and SSR messaging listing [Redacted] as the lender. This appraisal was received directly from the [Redacted]and was not provided by the broker/borrower from another lender. |  |  |  | 2 B |  | X | Second Home | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400136 |  |  |  | 33078602 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The [Redacted] listed on the appraisal is [Redacted] rather than actual lender [Redacted] mortgage service and no [Redacted] was provided. |  |  |  | Reviewer Comment (2025-04-29): waived<br>Seller Comment (2025-03-27): [Redacted] - [Redacted] is ordering secondary valuation. |  |  | X | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400137 |  |  |  | 33090470 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted] and no appraisal [Redacted] was provided. |  |  |  | Reviewer Comment (2025-04-29): waived<br>Reviewer Comment (2025-04-01): Client to review, non material exception<br>Seller Comment (2025-03-28): [Redacted]: [Redacted]is a correspondent lender who used [Redacted]to complete the loan. [Redacted]Underwrote the loan on [Redacted]behalf and either [Redacted]or [Redacted]should be acceptable for the Lender/Client. |  |  | X | 2 B |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400139 |  |  |  | 33089905 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted] and no appraisal transfer letter was provided. |  |  |  | Reviewer Comment (2025-04-01): Current lender on appraisal is sufficient<br>Seller Comment (2025-03-26): [Redacted] [Redacted] : It is acceptable for the lender/client to be either [Redacted] or [Redacted] is the correspondent lender. [Redacted] performs the underwriting and issues the approval. Both [Redacted] are the intended client of the appraisal. | X |  |  | 1 B A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400630 |  |  |  | 33732728 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted] and no appraisal transfer letter was provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400654 |  |  |  | 33785654 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender[Redacted] and no appraisal transfer letter was provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | D B A | N/A | N/A | No |
|  | GCATINV400680 |  |  |  | 33789610 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400686 |  |  |  | 33797513 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted]. and no appraisal transfer letter was provided. |  |  |  |  |  |  |  | 2 B |  | X | Investment | Purchase | B A | N/A | N/A | No |
|  | GCATINV400212 |  |  |  | 33293061 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | X | Investment | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400092 |  |  |  | 33087077 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-04-01): [Redacted] with [Redacted] visa, expiration date [Redacted] provided, exception cleared<br>Seller Comment (2025-03-27): [Redacted] [Redacted]: See attached [Redacted] evidencing borrower is on an [Redacted]. | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400114 |  |  |  | 33090115 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-04-01): [Redacted]provided | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400137 |  |  |  | 33090448 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-04-01): Permanent Resident cards provided, exception cleared<br>Seller Comment (2025-03-31): [Redacted] : See attach permanent resident cards | X |  |  | 1 B A |  | X | Investment | Purchase | C B A | N/A | N/A | No |
|  | GCATINV400210 |  |  |  | 33277672 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of non-resident alien not provided in file. |  |  |  | Reviewer Comment (2025-04-28): [Redacted], exception cleared. | X |  |  | 1 B A |  | X | Investment | Purchase | C A | N/A | N/A | No |
|  | GCATINV400624 |  |  |  | 33787802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Verification of citizenship status not provided. |  |  |  | Reviewer Comment (2025-07-08): Employment authorization provided, exception cleared.<br>Seller Comment (2025-07-03): attached | X |  |  | 1 B A |  | X | Investment | Purchase | D A | N/A | N/A | No |
|  | GCATINV400064 |  |  |  | 32984363 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400065 |  |  |  | 32976772 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-04-29): waived |  |  | X | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | GCATINV400186 |  |  |  | 33276032 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400192 |  |  |  | 33285863 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400193 |  |  |  | 33283573 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400196 |  |  |  | 33284985 |  | 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. [Redacted]between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400261 |  |  |  | 33445379 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400262 |  |  |  | 33446081 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV400622 |  |  |  | 33782936 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401074 |  |  |  | 34307083 |  | 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. [Redacted]between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing a copy of initial rate lock agreement. |  |  |  | Reviewer Comment (2025-04-17): Received initial rate lock. Exception Cleared<br>Buyer Comment (2025-04-15): Initial Rate Lock<br>Reviewer Comment (2025-04-11): Received Rate lock extension, however require Initial rate lock evidence with lock date [Redacted] or prior. Exception Remains<br>Buyer Comment (2025-04-10): MaxEx rate lock | X |  |  | 1 B A |  | X | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | GCATINV401077 |  |  |  | 34307110 |  | 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. | Missing initial rate lock date that occurred on or before [Redacted] for testing. |  |  |  | Reviewer Comment (2025-04-15): Received Initial Rate lock Document. Exception Cleared<br>Buyer Comment (2025-04-14): Lock confirmation<br>Reviewer Comment (2025-04-11): Received Post close Rate lock dated [Redacted] Require initial rate lock for subject [Redacted]. Exception Remains<br>Buyer Comment (2025-04-10): Correct lock.<br>Reviewer Comment (2025-04-09): Received Initial Rate lock however Seller and seller Loan ID is different than Final rate lock along with Occupancy shows as investment where as Subject is Second Home. Unable to certain Provided rate lock belong to subject transaction.<br>Buyer Comment (2025-04-08): [Redacted]rate lock | X |  |  | 1 B A |  | X | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.4

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.4**

**Valuation Report**

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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **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** |
|  | GCATINV400001 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400002 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
|  | GCATINV400004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
|  | GCATINV400005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
|  | GCATINV400006 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
|  | GCATINV400008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.160% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | GCATINV400009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
|  | GCATINV400010 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400013 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
|  | GCATINV400014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
|  | GCATINV400015 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCATINV400017 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
|  | GCATINV400018 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400019 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
|  | GCATINV400020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
|  | GCATINV400021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 | 1.00 |
|  | GCATINV400022 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
|  | GCATINV400024 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | GCATINV400026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400027 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
|  | GCATINV400028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
|  | GCATINV400029 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
|  | GCATINV400030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
|  | GCATINV400032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
|  | GCATINV400033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
|  | GCATINV400035 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.080% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
|  | GCATINV400036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
|  | GCATINV400037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
|  | GCATINV400038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV400039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400040 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400042 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
|  | GCATINV400043 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400044 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400045 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
|  | GCATINV400046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400047 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400049 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
|  | GCATINV400053 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
|  | GCATINV400056 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
|  | GCATINV400059 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 |
|  | GCATINV400060 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
|  | GCATINV400062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400063 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.80 |
|  | GCATINV400064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400065 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
|  | GCATINV400066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
|  | GCATINV400067 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
|  | GCATINV400068 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
|  | GCATINV400072 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
|  | GCATINV400073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 999.00 |
|  | GCATINV400075 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400077 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400078 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
|  | GCATINV400079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400080 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | GCATINV400082 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400084 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | GCATINV400085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400086 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.260% |  |  | Drive By |  |  | High |  |  |  |  |  |  |  |  | -22.810% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.260% |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400087 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400088 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
|  | GCATINV400089 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400090 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.390% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
|  | GCATINV400095 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
|  | GCATINV400098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
|  | GCATINV400099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
|  | GCATINV400100 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400101 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
|  | GCATINV400102 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | GCATINV400103 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400105 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCATINV400106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.170% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400107 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400110 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
|  | GCATINV400111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.960% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCATINV400112 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400113 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.060% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400115 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
|  | GCATINV400116 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
|  | GCATINV400117 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
|  | GCATINV400118 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
|  | GCATINV400119 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400120 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400121 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
|  | GCATINV400122 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400123 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
|  | GCATINV400125 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
|  | GCATINV400127 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400128 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
|  | GCATINV400129 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
|  | GCATINV400130 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.160% |  |  | AVM |  | 0.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400131 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
|  | GCATINV400132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400133 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400134 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
|  | GCATINV400135 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.220% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.110% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.110% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400137 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
|  | GCATINV400139 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCATINV400141 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
|  | GCATINV400142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.700% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400143 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400144 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
|  | GCATINV400145 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
|  | GCATINV400146 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
|  | GCATINV400147 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400148 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400149 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
|  | GCATINV400150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.60 |
|  | GCATINV400151 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
|  | GCATINV400153 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
|  | GCATINV400154 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400157 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
|  | GCATINV400158 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400160 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400161 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400162 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
|  | GCATINV400163 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
|  | GCATINV400164 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400165 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400166 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400168 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400169 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCATINV400170 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | GCATINV400171 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCATINV400172 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400173 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCATINV400174 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400175 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
|  | GCATINV400176 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400177 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400178 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400179 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400180 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400182 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400183 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
|  | GCATINV400184 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
|  | GCATINV400185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCATINV400186 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400187 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400188 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400189 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
|  | GCATINV400190 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
|  | GCATINV400191 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400192 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
|  | GCATINV400194 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.50 |
|  | GCATINV400195 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
|  | GCATINV400197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | GCATINV400198 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
|  | GCATINV400199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | GCATINV400200 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
|  | GCATINV400201 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | GCATINV400202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400203 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400204 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.40 |
|  | GCATINV400205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
|  | GCATINV400207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400208 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | GCATINV400209 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
|  | GCATINV400210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | GCATINV400211 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
|  | GCATINV400213 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
|  | GCATINV400214 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400215 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
|  | GCATINV400216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400218 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400219 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400220 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400223 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCATINV400224 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | GCATINV400225 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400226 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400227 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400228 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400229 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCATINV400230 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
|  | GCATINV400231 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400232 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
|  | GCATINV400233 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400234 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400235 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400236 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
|  | GCATINV400237 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
|  | GCATINV400239 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
|  | GCATINV400240 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400241 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCATINV400242 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400243 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400245 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400246 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400247 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400248 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400249 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400250 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400251 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
|  | GCATINV400252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | GCATINV400253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
|  | GCATINV400254 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400255 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
|  | GCATINV400256 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
|  | GCATINV400257 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
|  | GCATINV400259 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
|  | GCATINV400260 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400261 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCATINV400263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
|  | GCATINV400265 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400266 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400267 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
|  | GCATINV400268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
|  | GCATINV400269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | GCATINV400270 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
|  | GCATINV400272 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400273 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400274 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
|  | GCATINV400275 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400276 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400278 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400279 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400280 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400281 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
|  | GCATINV400282 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400283 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
|  | GCATINV400286 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400287 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
|  | GCATINV400288 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
|  | GCATINV400290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
|  | GCATINV400292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400293 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.50 |
|  | GCATINV400294 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
|  | GCATINV400295 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
|  | GCATINV400296 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400297 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
|  | GCATINV400300 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400302 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | GCATINV400303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
|  | GCATINV400304 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
|  | GCATINV400305 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400306 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400307 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
|  | GCATINV400308 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
|  | GCATINV400309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400310 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400311 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400313 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
|  | GCATINV400314 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400315 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
|  | GCATINV400316 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | GCATINV400317 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
|  | GCATINV400318 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
|  | GCATINV400319 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400320 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
|  | GCATINV400322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
|  | GCATINV400323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
|  | GCATINV400324 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | GCATINV400325 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
|  | GCATINV400326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.750% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.750% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400327 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
|  | GCATINV400328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
|  | GCATINV400331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400332 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
|  | GCATINV400334 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
|  | GCATINV400335 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400337 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400338 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
|  | GCATINV400339 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | GCATINV400340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
|  | GCATINV400341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
|  | GCATINV400342 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400344 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | GCATINV400345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400346 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400347 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
|  | GCATINV400348 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
|  | GCATINV400349 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 999.00 |
|  | GCATINV400350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCATINV400351 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
|  | GCATINV400352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400353 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400354 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
|  | GCATINV400355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400356 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400358 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.80 |
|  | GCATINV400360 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400363 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 7.090% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.280% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.280% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400364 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400365 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400366 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
|  | GCATINV400367 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400368 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 8.270% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.270% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400369 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 7.840% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.840% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400370 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
|  | GCATINV400372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.270% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.270% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400373 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  | 0.110% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.320% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.320% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
|  | GCATINV400375 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.420% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.420% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
|  | GCATINV400377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400378 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400380 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
|  | GCATINV400382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
|  | GCATINV400383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
|  | GCATINV400385 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
|  | GCATINV400386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -2.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.080% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400387 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
|  | GCATINV400388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.640% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
|  | GCATINV400390 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400391 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400392 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | GCATINV400393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.80 |
|  | GCATINV400394 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 5.380% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.380% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400396 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400397 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400398 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400399 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400403 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 19.220% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.220% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400404 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | GCATINV400405 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400406 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
|  | GCATINV400408 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.80 |
|  | GCATINV400409 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
|  | GCATINV400410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400411 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
|  | GCATINV400412 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
|  | GCATINV400413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
|  | GCATINV400414 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400415 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | GCATINV400416 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400418 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400419 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
|  | GCATINV400421 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400422 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.950% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400423 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400424 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | GCATINV400425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
|  | GCATINV400426 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
|  | GCATINV400427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | GCATINV400428 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400429 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
|  | GCATINV400431 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
|  | GCATINV400432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400433 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
|  | GCATINV400434 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400435 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
|  | GCATINV400436 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400437 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400438 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
|  | GCATINV400439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400440 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400441 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
|  | GCATINV400442 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
|  | GCATINV400443 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400444 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400445 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400446 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400447 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | GCATINV400448 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
|  | GCATINV400449 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.100% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400451 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400452 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
|  | GCATINV400453 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400454 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
|  | GCATINV400455 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400456 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
|  | GCATINV400457 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
|  | GCATINV400458 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400459 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400460 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
|  | GCATINV400461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
|  | GCATINV400462 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400463 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
|  | GCATINV400464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400465 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
|  | GCATINV400466 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400467 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400468 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400470 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCATINV400471 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
|  | GCATINV400472 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400473 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400474 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400475 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.040% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
|  | GCATINV400476 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
|  | GCATINV400477 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400478 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
|  | GCATINV400479 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
|  | GCATINV400480 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400481 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400482 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | GCATINV400483 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400484 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
|  | GCATINV400485 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400486 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
|  | GCATINV400487 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.990% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
|  | GCATINV400488 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | GCATINV400489 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400490 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | GCATINV400491 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400492 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
|  | GCATINV400493 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400495 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | GCATINV400496 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.540% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
|  | GCATINV400497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400498 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400499 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400500 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400501 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -12.470% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400502 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -5.610% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.610% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400503 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400504 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.510% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400506 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | GCATINV400507 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 25.560% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.560% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400508 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400509 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400510 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCATINV400511 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
|  | GCATINV400512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
|  | GCATINV400513 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
|  | GCATINV400514 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
|  | GCATINV400515 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | GCATINV400516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400517 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400518 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
|  | GCATINV400519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
|  | GCATINV400520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 7.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.690% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400521 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
|  | GCATINV400523 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400524 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400527 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
|  | GCATINV400528 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.940% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.940% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400529 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.150% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
|  | GCATINV400530 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400531 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400532 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400533 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
|  | GCATINV400534 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400535 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
|  | GCATINV400536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400537 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400538 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
|  | GCATINV400539 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400540 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
|  | GCATINV400541 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
|  | GCATINV400542 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
|  | GCATINV400543 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400544 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
|  | GCATINV400545 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
|  | GCATINV400546 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400547 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | GCATINV400548 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
|  | GCATINV400549 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
|  | GCATINV400551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400552 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400553 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
|  | GCATINV400554 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400555 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400557 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
|  | GCATINV400558 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | GCATINV400559 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
|  | GCATINV400560 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
|  | GCATINV400561 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400562 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400563 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400564 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
|  | GCATINV400565 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
|  | GCATINV400567 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
|  | GCATINV400568 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
|  | GCATINV400569 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400570 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
|  | GCATINV400571 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
|  | GCATINV400572 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400574 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400575 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400576 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
|  | GCATINV400577 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
|  | GCATINV400578 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400579 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400580 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
|  | GCATINV400581 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -16.280% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -17.240% |  |  |  |  |  |  |  |  | No | 3.00 |  |
|  | GCATINV400582 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400583 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400584 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.340% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.680% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.680% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400585 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400586 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
|  | GCATINV400587 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.70 |
|  | GCATINV400588 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400589 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400590 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
|  | GCATINV400591 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400592 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400593 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400594 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 29.520% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.520% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400595 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400596 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
|  | GCATINV400597 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400598 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
|  | GCATINV400599 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
|  | GCATINV400600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
|  | GCATINV400601 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400602 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | GCATINV400603 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | GCATINV400604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400606 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
|  | GCATINV400607 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
|  | GCATINV400608 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400609 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV400611 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | GCATINV400612 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400613 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | 2.40 |
|  | GCATINV400614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
|  | GCATINV400615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400616 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400617 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400618 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400619 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
|  | GCATINV400620 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400621 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
|  | GCATINV400622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400623 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
|  | GCATINV400624 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400625 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
|  | GCATINV400627 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
|  | GCATINV400628 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400629 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400630 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | GCATINV400631 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
|  | GCATINV400632 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400633 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400634 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
|  | GCATINV400635 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400636 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400637 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
|  | GCATINV400638 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | GCATINV400639 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400640 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
|  | GCATINV400641 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400642 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400643 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400644 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | GCATINV400645 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
|  | GCATINV400646 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
|  | GCATINV400647 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
|  | GCATINV400648 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
|  | GCATINV400649 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.850% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
|  | GCATINV400650 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | GCATINV400652 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400653 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400654 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
|  | GCATINV400655 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.40 |
|  | GCATINV400656 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
|  | GCATINV400657 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400658 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400659 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
|  | GCATINV400660 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
|  | GCATINV400661 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400662 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
|  | GCATINV400663 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400664 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400665 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400666 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | GCATINV400667 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400669 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400670 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400671 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
|  | GCATINV400672 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
|  | GCATINV400673 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
|  | GCATINV400674 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400675 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400676 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | GCATINV400677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400678 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
|  | GCATINV400679 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | GCATINV400680 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
|  | GCATINV400681 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | GCATINV400682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400683 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400684 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | GCATINV400685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
|  | GCATINV400686 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400687 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
|  | GCATINV400688 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.950% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | GCATINV400689 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400690 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
|  | GCATINV400691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
|  | GCATINV400692 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400693 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
|  | GCATINV400694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400696 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
|  | GCATINV400697 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400698 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
|  | GCATINV400699 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400700 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
|  | GCATINV400701 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400702 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400703 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400704 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
|  | GCATINV400706 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
|  | GCATINV400707 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400708 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400709 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
|  | GCATINV400710 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400711 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV400712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400713 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
|  | GCATINV400714 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400715 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400716 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
|  | GCATINV400717 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
|  | GCATINV400718 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400719 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
|  | GCATINV400720 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCATINV400721 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCATINV400722 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.580% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400723 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.020% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCATINV400724 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400725 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400726 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400727 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCATINV400728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
|  | GCATINV400729 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400730 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400731 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400732 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400733 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400734 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCATINV400735 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 7.300% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.300% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400736 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.860% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.860% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400737 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400738 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400739 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400741 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.290% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.290% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400742 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCATINV400743 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400744 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.830% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.830% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCATINV400746 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.640% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 |
|  | GCATINV400747 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.680% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400748 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400749 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
|  | GCATINV400750 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400751 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400752 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400753 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCATINV400754 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400755 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
|  | GCATINV400756 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCATINV400757 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400758 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400760 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400761 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400762 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400763 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400764 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400765 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV400766 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400767 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400768 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400769 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
|  | GCATINV400770 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400771 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400772 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCATINV400773 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400774 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | GCATINV400775 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCATINV400776 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400777 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400778 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400779 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400780 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400781 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400782 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400783 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
|  | GCATINV400784 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400785 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
|  | GCATINV400786 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.810% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400787 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400788 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400789 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400791 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400792 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV400794 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV400795 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400796 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400797 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400798 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400799 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400800 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400801 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400802 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCATINV400803 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400804 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400805 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400806 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCATINV400807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400808 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV400809 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400810 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400811 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400812 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.990% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | GCATINV400813 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400814 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400815 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400816 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400817 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | GCATINV400818 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400819 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400820 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV400821 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCATINV400822 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
|  | GCATINV400823 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | GCATINV400824 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400825 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV400826 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400827 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400828 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
|  | GCATINV400830 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400831 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400832 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400833 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400834 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.100% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | GCATINV400835 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400836 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCATINV400837 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
|  | GCATINV400838 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | GCATINV400839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400840 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400841 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400842 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCATINV400843 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400844 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400845 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400846 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400847 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400848 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400849 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | GCATINV400850 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV400851 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400852 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCATINV400853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400854 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | GCATINV400855 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400856 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400857 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400858 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400859 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
|  | GCATINV400860 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCATINV400861 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV400863 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCATINV400864 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400866 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400867 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400868 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400869 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400870 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400872 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
|  | GCATINV400873 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400875 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400876 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.70 |
|  | GCATINV400877 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV400879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400882 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400883 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400885 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400886 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400887 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCATINV400888 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCATINV400889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400890 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400891 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCATINV400892 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCATINV400893 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400894 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400895 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCATINV400896 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400897 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400898 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | GCATINV400899 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400900 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400901 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400902 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV400903 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | GCATINV400904 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400905 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | GCATINV400906 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400907 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV400908 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
|  | GCATINV400909 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400910 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400911 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400912 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCATINV400913 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400914 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400915 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCATINV400916 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400918 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV400919 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | GCATINV400920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400921 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV400922 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.950% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCATINV400924 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV400926 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400927 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
|  | GCATINV400928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400929 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | GCATINV400930 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 6.020% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.020% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400931 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
|  | GCATINV400933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | GCATINV400934 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | GCATINV400935 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 37.040% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.040% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400936 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400937 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCATINV400938 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV400939 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | GCATINV400940 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.110% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.110% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400941 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV400942 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV400943 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV400944 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.340% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400945 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
|  | GCATINV400946 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | GCATINV400947 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
|  | GCATINV400948 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
|  | GCATINV400949 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 8.790% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.790% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | GCATINV400951 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400952 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400953 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | GCATINV400954 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400955 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV400956 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | GCATINV400957 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 999.00 |
|  | GCATINV400958 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | GCATINV400959 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400960 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.190% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.190% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400961 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | GCATINV400962 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400963 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.430% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.430% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400964 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.290% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.290% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400965 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400966 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -2.630% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.630% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400967 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.900% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCATINV400968 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | GCATINV400969 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCATINV400970 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
|  | GCATINV400971 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400972 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV400973 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -3.100% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.100% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400974 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | GCATINV400975 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.420% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | GCATINV400976 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | GCATINV400977 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | GCATINV400978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 8.480% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.480% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400979 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | GCATINV400980 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400981 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400982 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400983 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
|  | GCATINV400984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCATINV400985 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400986 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400987 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400988 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400989 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCATINV400990 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
|  | GCATINV400991 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400992 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | GCATINV400993 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400994 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV400995 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV400996 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | GCATINV400997 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | GCATINV400998 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV400999 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | GCATINV401000 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | GCATINV401001 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV401002 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV401004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.890% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCATINV401006 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | GCATINV401007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | GCATINV401008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | GCATINV401009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | GCATINV401010 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401013 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV401014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401015 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | GCATINV401017 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | GCATINV401018 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401019 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV401020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | GCATINV401021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401022 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401024 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
|  | GCATINV401025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
|  | GCATINV401027 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV401029 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | GCATINV401034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | GCATINV401035 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
|  | GCATINV401036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401040 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
|  | GCATINV401042 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV401043 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | GCATINV401044 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
|  | GCATINV401045 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | GCATINV401046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401047 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | GCATINV401049 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.810% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401053 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | GCATINV401054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | GCATINV401056 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | GCATINV401057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | GCATINV401059 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV401060 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
|  | GCATINV401061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | GCATINV401062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 999.00 |
|  | GCATINV401063 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.10 |
|  | GCATINV401064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | GCATINV401065 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401067 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | GCATINV401068 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | GCATINV401069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
|  | GCATINV401071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | GCATINV401072 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
|  | GCATINV401073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | GCATINV401075 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
|  | GCATINV401076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401077 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | GCATINV401078 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |

---

## Exhibit 99.5

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **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** |
|  | GCATINV400001 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6000.07 | $12111.14 |  | 8.155% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11168.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6000.07 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $56563.35 | 16.490% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400002 |  |  |  | N/A |  |  |  | Yes | Yes | $4273.03 | $6902.76 |  | 7.680% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13606.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  |  | $4273.03 |  | X | $5500.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $473855.92 | 100.000% | No | 29 | 28 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 211.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400003 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12333.00 | $15222.93 |  | 8.108% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15585.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12333.00 |  | X | $0.00 | 3.9 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $21273.48 | 4.430% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.92 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400004 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $1707.00 | $3112.86 |  | 9.089% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38629.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1707.00 |  | X | $3085.80 | 3.1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $27261.30 | 6.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400005 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8550.00 | $10123.65 |  | 8.846% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10658.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8550.00 |  | X | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $99332.25 | 26.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.21 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400006 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $12385.00 | $14925.75 |  | 8.708% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44376.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12385.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 2 | 0 | 3 | 3 |  |  | 5.00 | No |  |  |  |  |  | No |  |  |  | X | $9445.39 | 1.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400007 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10942.79 | $12027.79 |  | 6.759% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16769.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10942.79 |  | X | $0.00 | 2 | DU |  | ApproveEligible | Yes | No | X | 2 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $408383.80 | 75.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 113.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400008 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15836.84 | $5585.79 |  | 7.801% | X | X | X | No | No | Employed | Employed | Employed |  | 0.93 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $33791.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15836.84 |  | X | $10000.00 | 4.5 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $183027.16 | 27.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 15.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400009 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $11262.42 | $12406.21 |  | 8.273% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9293.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11262.42 |  | X | $1000.00 | 3.7 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $14036.82 | 3.120% | 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 |  |  |  |  |  |  |  |  |  |  |  | 2.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400010 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3992.08 | $250.00 |  | 7.818% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8336.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3992.08 |  | X | $14708.24 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $94802.00 | 24.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.82 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400011 |  |  |  | N/A |  |  |  | Yes | Yes | $10952.21 | $16124.76 |  | 6.677% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6056.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10952.21 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $4000.00 | 1.160% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400012 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $6745.77 | $8507.85 |  | 8.113% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5086.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $6745.77 |  | X | $12000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $53091.71 | 15.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400013 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7189.76 | $9868.68 |  | 8.165% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12868.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [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 |  |  |  | $7189.76 |  | X | $0.00 | 1.8 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $98080.37 | 26.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400014 |  |  |  | N/A |  |  |  | No | Yes | $2065.20 | $6297.09 |  | 7.519% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12389.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2065.20 |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | Yes | No | X | 1 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $148268.51 | 37.630% | No | 23 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.04 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400015 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7935.67 | $7302.29 |  | 6.756% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21364.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7869.68 |  | X | $5000.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $83063.07 | 27.230% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400016 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7215.00 | $5805.69 |  | 6.431% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7479.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7215.00 |  | X | $15300.00 | 5 | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $91825.04 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.04 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400017 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11495.45 | $18954.12 |  | 7.334% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36834.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [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 |  |  |  | $11495.45 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $208232.60 | 29.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400018 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $13340.00 | $13880.92 |  | 8.458% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18113.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13340.00 |  | X | $18750.00 |  | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | 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 Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400019 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7985.00 | $13327.84 |  | 8.379% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5745.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7985.00 |  | X | $15000.00 | 4.4 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $79602.20 | 22.420% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.92 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400020 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7310.00 | $9116.10 |  | 8.288% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18549.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7310.00 |  | X | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $437797.80 | 68.940% | 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 |  |  |  |  |  |  |  |  |  |  |  | 77.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400021 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $600.00 | $2966.43 |  | 8.935% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12405.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $600.00 |  | X | $277.07 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $155014.06 | 45.140% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400022 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9737.19 | $16089.63 |  | 8.668% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9964.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9737.19 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $741014.96 | 100.000% | No | 36 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 198.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400023 |  |  |  | N/A |  |  |  | No | Yes | $10067.33 | $13085.38 |  | 7.754% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43229.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10067.33 |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $94523.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400024 |  |  |  | N/A |  |  |  | No | Yes | $4358.75 | $5049.32 |  | 7.889% | X | X | X | No | No | Non-Employment Income | Employed | Employed |  | 22.04 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $21639.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Military VOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Rations]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4358.75 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $581098.50 |  | No |  | 2 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 194.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400025 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $583.46 | $3165.56 |  | 7.549% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9592.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $583.46 |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $367110.41 | 71.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 67.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400026 |  |  |  | N/A |  |  |  | No | Yes | $1620.00 | $3910.29 |  | 7.604% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5058.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $114053.68 | 32.580% | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400027 |  |  |  | N/A |  |  |  | No | Yes | $2684.45 | $4693.96 |  | 7.526% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30097.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2684.45 |  | X | $8000.00 | 4.2 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1121169.72 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 422.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400028 |  |  |  | N/A |  |  |  | No | Yes | $2195.88 | $4315.07 |  | 7.530% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9802.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2195.88 |  | X | $5700.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $277692.46 | 97.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400029 |  |  |  | N/A |  |  |  | No | Yes | $4685.20 | $9900.23 |  | 7.375% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11474.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4685.20 |  | X | $0.00 | 4.1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $283259.73 | 40.830% | 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 |  |  |  |  |  |  |  |  |  |  |  | 49.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400030 |  |  |  | N/A |  |  |  | No | Yes | $2213.00 | $2880.03 |  | 7.878% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9935.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2213.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $320810.06 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 134.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400031 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1119.62 | $2672.95 |  | 7.308% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11945.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1119.62 |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | No | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $7887.76 | 2.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400032 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $9574.12 |  | 7.257% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31684.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 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 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $5000.00 | 2.1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $169744.03 | 19.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400033 |  |  |  | N/A |  |  |  | No | Yes | $2153.44 | $3695.31 |  | 7.608% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14490.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $2153.44 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $162470.90 | 58.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.94 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400034 |  |  |  | N/A |  |  |  | No | Yes | $3481.26 | $3832.65 |  | 7.446% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16588.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3481.26 |  | X | $2200.00 | 999 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $592094.68 | 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 |  |  |  |  |  |  |  |  |  |  |  | 273.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400035 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $1593.70 |  | 7.029% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17640.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [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 |  |  |  | $995.00 |  | X | $0.00 | 3.7 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $613936.81 | 96.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400036 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $6506.53 |  | 7.503% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20052.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 |  |  |  | $1805.00 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $461228.98 | 100.000% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 114.31 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400037 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $3795.91 |  | 7.567% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7599.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 1 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $130747.69 | 31.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400038 |  |  |  | N/A |  |  |  | No | Yes | $3162.16 | $6482.24 |  | 7.176% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18427.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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> [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]; 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3162.16 |  | X | $8500.00 | 1.8 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No | 26 | 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 |  |  |  |  |  |  |  |  |  |  |  | 182.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400039 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $4404.13 |  | 6.895% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12830.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $294620.25 | 38.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 36.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400040 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1465.03 | $3691.77 |  | 7.333% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11274.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.03 |  | X | $2600.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $120434.29 | 35.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400041 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $4197.69 |  | 7.556% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12965.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 3 |  | 1 | 0 | 1 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $271594.49 | 86.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400042 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $4238.44 |  | 6.912% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11322.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $995.00 |  | X | $8500.00 | 3.5 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $197072.19 | 26.450% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400043 |  |  |  | N/A |  |  |  | No | Yes | $2280.00 | $3348.49 |  | 7.175% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14941.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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]; WVOE - 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 |  |  |  | $2280.00 |  | X | $1800.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $440713.04 | 100.000% | No | 1 | 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 |  |  |  |  |  |  |  |  |  |  |  |  | 256.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400044 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6005.00 | $6798.63 |  | 7.573% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27459.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6005.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400045 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $2978.20 |  | 7.169% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7277.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $995.00 |  | X | $750.00 | 4 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $103729.13 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400046 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5421.40 | $6938.40 |  | 7.004% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6833.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5421.40 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $227256.72 | 75.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400047 |  |  |  | N/A |  |  |  | No | Yes | $2021.00 | $3170.37 |  | 7.795% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7405.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 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<br> [Coborrower]; 4506-C - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2021.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $224449.04 | 99.750% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 194.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400048 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $1574.73 |  | 7.292% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $71321.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $8999.80 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $641577.54 | 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 |  |  |  |  |  |  |  |  |  |  |  | 175.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400049 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $2530.17 |  | 7.150% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10557.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $995.00 |  | X | $12890.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $361580.56 | 56.100% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400050 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3786.95 | $5336.85 |  | 7.156% | X | X | X | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $16285.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3786.95 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $347041.37 | 99.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 105.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400051 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $2901.44 |  | 7.165% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $13709.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $995.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1391918.26 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 367.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400052 |  |  |  | N/A |  |  |  | No | Yes | $2852.84 | $5793.17 |  | 7.176% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5448.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Annuity]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2852.84 |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $370686.38 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 121.23 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400053 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $4037.43 |  | 7.349% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6819.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $429088.99 | 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 |  |  |  |  |  |  |  |  |  |  |  | 139.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400054 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9141.19 | $13997.63 |  | 8.692% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6397.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9141.19 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $146655.87 | 38.950% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.23 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400055 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6023.68 | $1268.82 |  | 8.220% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10214.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6023.68 |  | X | $76075.00 | 2.2 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400056 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8801.32 | $4343.44 |  | 8.789% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14236.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [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%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8801.32 |  | X | $14000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | X | $85765.41 | 21.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400057 |  |  |  | N/A |  |  |  | Yes | Yes | $5046.60 | $5492.92 |  | 8.094% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4093.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5046.60 |  | X | $5100.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $10899.74 | 4.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.72 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400058 |  |  |  | N/A |  |  |  | No | Yes | $1440.00 | $2510.65 |  | 7.713% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11743.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $1440.00 |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $246419.23 | 86.790% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400059 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2319.27 | $4563.75 |  | 7.461% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7464.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $2319.27 |  | X | $0.00 | 3 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $223566.94 | 45.900% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400060 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2883.96 | $4910.96 |  | 6.838% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12976.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<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 - Employment Only - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2883.96 |  | X | $10000.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $43206.30 | 7.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400061 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $3182.56 |  | 7.032% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9001.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - Employment Only - 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 |  |  |  | $995.00 |  | X | $500.00 | 3.7 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $256217.73 | 49.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400062 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $187.15 | $1376.10 |  | 6.779% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15950.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; 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 |  |  |  | $187.15 |  | X | $2000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 100.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400063 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $3494.91 | $3832.91 |  | 8.437% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14615.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [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 |  |  |  | $3494.91 |  | X | $2000.00 | 3.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $61934.26 | 26.130% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400064 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $5876.25 | $2520.18 |  | 8.409% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8245.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5876.25 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $69754.20 | 25.360% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400065 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9572.39 | $8163.84 |  | 8.629% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7056.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<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]; Employer Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9572.39 |  | X | $10089.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $175561.24 | 47.440% | No | 36 | 0 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 30.23 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400066 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5349.93 | $9020.04 |  | 7.008% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11588.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5349.93 |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | No | No | X | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $179862.04 | 67.110% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400067 |  |  |  | N/A |  |  |  | No | Yes | $2402.68 | $3589.75 |  | 7.790% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8226.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2402.68 |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $184587.29 | 76.590% | 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 |  |  |  |  |  |  |  |  |  |  |  | 67.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400068 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $3103.94 |  | 7.198% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3421.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Other - 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 |  |  |  | $1805.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $766466.88 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 204.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400069 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1951.64 | $3879.58 |  | 7.964% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14482.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1951.64 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $92001.32 | 47.180% | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400070 |  |  |  | N/A |  |  |  | No | Yes | $2017.16 | $2970.11 |  | 7.301% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24607.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1040 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2017.16 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $95071.23 | 46.600% | No | 10 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 34.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400071 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10577.06 | $571.89 |  | 8.227% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9830.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $10577.06 |  | X | $18869.04 | 3.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $67431.56 | 13.620% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.18 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400072 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10301.85 | $17621.10 |  | 6.964% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17809.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $10301.85 |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $133653.17 | 26.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400073 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6077.40 | $15094.90 |  | 6.115% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8217.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 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 |  |  |  | $6077.40 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $327344.58 | 88.470% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400074 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4251.75 | $5162.90 |  | 8.667% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10987.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4251.75 |  | X | $0.00 | 999 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $57369.29 | 34.760% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400075 |  |  |  | N/A |  |  |  | Yes | Yes | $12999.75 | $12766.12 |  | 8.254% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16693.95 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 |  |  |  | $12999.75 |  | X | $4500.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $554450.82 | 88.000% | No | 35 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400076 |  |  |  | N/A |  |  |  | Yes | Yes | $8695.00 | $13313.61 |  | 7.706% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $808581.01 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; 4506-C (for Business) - 2022 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8695.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $825032.75 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400077 |  |  |  | N/A |  |  |  | Yes | Yes | $7390.24 | $3756.89 |  | 7.686% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31020.94 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7390.24 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $208471.01 | 38.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.81 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400078 |  |  |  | N/A |  |  |  | Yes | Yes | $7948.62 | $9938.05 |  | 7.672% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14020.37 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 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 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7948.62 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $197646.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400079 |  |  |  | N/A |  |  |  | Yes | Yes | $16390.00 | $4918.19 |  | 7.877% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39638.79 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<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]; Paystubs - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 |  |  |  | $16390.00 |  | X | $5000.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $366683.44 | 33.700% | 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 |  |  |  |  |  |  |  |  |  |  |  | 50.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400080 |  |  |  | N/A |  |  |  | Yes | Yes | $10170.00 | $2265.22 |  | 8.028% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9526.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Wages]; Employer Letter - 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 |  |  |  | $10170.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $189049.39 | 33.460% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400081 |  |  |  | N/A |  |  |  | Yes | Yes | $8575.00 | $3777.32 |  | 8.195% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22517.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8575.00 |  | X | $3500.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $375974.12 | 61.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400082 |  |  |  | N/A |  |  |  | Yes | Yes | $12538.75 | $5126.93 |  | 7.983% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15210.53 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12538.75 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $250920.44 | 45.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400083 |  |  |  | N/A |  |  |  | Yes | Yes | $18403.55 | $5062.92 |  | 7.863% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7329.07 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18403.55 |  | X | $10900.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $149500.11 | 27.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400084 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11045.01 | $2771.46 |  | 7.877% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13540.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Deposit Receipt - 2025 | [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 |  |  |  | $11045.01 |  | X | $6000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $628855.50 | 96.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400085 |  |  |  | N/A |  |  |  | Yes | Yes | $13371.53 | $8295.90 |  | 8.283% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18499.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $13371.53 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $154207.82 | 31.790% | No |  | 23 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400086 |  |  |  | N/A |  |  |  | Yes | Yes | $19898.44 | $21893.23 |  | 8.082% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12360.68 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19898.44 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1014272.49 | 71.680% | 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 |  |  |  |  |  |  |  |  |  |  |  | 68.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400087 |  |  |  | N/A |  |  |  | Yes | Yes | $6195.00 | $9232.37 |  | 7.655% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5832.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 |  |  |  | $6195.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $134534.53 | 33.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400088 |  |  |  | N/A |  |  |  | Yes | Yes | $16045.00 | $5123.63 |  | 8.169% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28644.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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]; 4506-C - 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]; 4506-C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16045.00 |  | X | $300.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $784786.03 | 89.180% | 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 |  |  |  |  |  |  |  |  |  |  |  | 96.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400089 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $11978.76 | $391.80 |  | 8.494% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8517.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8531.88 |  | X | $16456.72 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $83782.90 | 22.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.3 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400090 |  |  |  | N/A |  |  |  | Yes | Yes | $15663.77 | $555.44 |  | 7.464% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10173.71 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 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]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15663.77 |  | X | $10000.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $183133.95 | 34.880% | No | 24 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400091 |  |  |  | N/A |  |  |  | Yes | Yes | $9963.00 | $13019.63 |  | 7.706% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19909.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<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]; 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> [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 |  |  |  | $9963.00 |  | X | $10000.00 | 1.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $261006.26 | 37.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400092 |  |  |  | N/A |  |  |  | Yes | Yes | $5222.81 | $4276.84 |  | 7.740% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $6919.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5222.81 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $223014.06 | 27.680% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 11.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400093 |  |  |  | N/A |  |  |  | Yes | Yes | $6659.76 | $140.70 |  | 7.732% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30047.37 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6659.76 |  | X | $9297.43 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $946208.21 | 100.000% | No | 13 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 208.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400094 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18928.00 | $11580.20 |  | 7.988% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25375.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18928.00 |  | X | $0.00 | 4.8 | DU |  | ApproveEligible | No | No | X | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $329272.79 | 32.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400095 |  |  |  | N/A |  |  |  | Yes | Yes | $13998.58 | $8298.01 |  | 8.092% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $177368.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2025<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2018 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13998.58 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $6668156.33 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 862.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400096 |  |  |  | N/A |  |  |  | Yes | Yes | $17234.96 | $27356.14 |  | 6.702% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $8109.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17234.96 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $210984.28 | 41.450% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 15.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400097 |  |  |  | N/A |  |  |  | Yes | Yes | $5939.00 | $675.00 |  | 7.753% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9942.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $5939.00 |  | X | $11679.95 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $150968.52 | 25.450% | No | 49 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400098 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10638.88 | $2060.24 |  | 7.926% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19869.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10638.88 |  | X | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $321272.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400099 |  |  |  | N/A |  |  |  | Yes | Yes | $2769.20 | $5392.42 |  | 7.629% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4085.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2769.20 |  | X | $0.00 | 2 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $295219.04 | 68.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400100 |  |  |  | N/A |  |  |  | Yes | Yes | $9745.00 | $2729.60 |  | 8.154% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24722.68 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9745.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $957120.57 | 100.000% | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 165.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400101 |  |  |  | N/A |  |  |  | Yes | Yes | $9493.53 | $6487.86 |  | 8.264% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5310.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [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 |  |  |  | $9493.53 |  | X | $9780.00 | 3.3 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $0.00 | 0.000% | No | 25 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400102 |  |  |  | N/A |  |  |  | Yes | Yes | $7688.90 | $3352.71 |  | 7.715% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44899.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 |  |  |  | $7688.90 |  | X | $2600.00 | 3.4 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $175225.51 | 38.510% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400103 |  |  |  | N/A |  |  |  | Yes | Yes | $8719.00 | $7745.95 |  | 7.490% | X | X | X | No | No | Employed | Employed | Employed |  | 19.51 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $10939.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 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 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8719.00 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $424012.95 | 53.000% | No |  | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 40.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400104 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9570.88 | $10611.01 |  | 7.526% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4091.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $9570.88 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $78404.33 | 16.360% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.18 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400105 |  |  |  | N/A |  |  |  | Yes | Yes | $9715.00 | $4099.27 |  | 7.786% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12994.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9715.00 |  | X | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | X | 0 | 3 | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $24798.24 | 4.360% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400106 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4645.00 | $8250.22 |  | 7.991% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10514.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4645.00 |  | X | $1000.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $115302.07 | 26.730% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400107 |  |  |  | N/A |  |  |  | Yes | Yes | $10602.45 | $0.00 |  | 7.477% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19488.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10602.45 |  | X | $14960.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $545148.49 | 72.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400108 |  |  |  | N/A |  |  |  | Yes | Yes | $3515.84 | $2413.73 |  | 7.494% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7641.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3515.84 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $10469.45 | 2.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 89.09 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400109 |  |  |  | N/A |  |  |  | Yes | Yes | $11488.80 | $4030.81 |  | 7.833% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12082.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11488.80 |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $282496.90 | 46.310% | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400110 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5000.06 | $11043.26 |  | 7.320% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8634.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025 | [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 |  |  |  | $5000.06 |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $252950.80 | 58.140% | 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 |  |  |  |  |  |  |  |  |  |  |  | 58.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400111 |  |  |  | N/A |  |  |  | Yes | Yes | $18440.60 | $14416.63 |  | 8.232% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13027.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18440.60 |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $183551.78 | 34.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400112 |  |  |  | N/A |  |  |  | Yes | Yes | $10705.68 | $2356.72 |  | 7.696% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5472.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<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 - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10705.68 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $814658.01 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 246.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400113 |  |  |  | N/A |  |  |  | Yes | Yes | $12909.14 | $5940.96 |  | 8.252% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $61636.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| 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 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12909.14 |  | X | $3000.00 | 2.6 | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $1361218.03 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 355.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400114 |  |  |  | N/A |  |  |  | Yes | Yes | $7376.38 | $1865.58 |  | 7.923% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $6253.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7376.38 |  | X | $10302.32 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $130549.29 | 25.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400115 |  |  |  | N/A |  |  |  | Yes | Yes | $25011.20 | $10331.34 |  | 8.276% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10260.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $25011.20 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $283998.38 | 35.490% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400116 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9112.75 | $10076.60 |  | 8.210% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16701.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 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]; 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]; W-2 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9112.75 |  | X | $6000.00 | 4.5 | DU |  | ApproveEligible | No | No | X | 1 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400117 |  |  |  | N/A |  |  |  | Yes | Yes | $10628.11 | $5903.05 |  | 7.557% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32509.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10628.11 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $152233.72 | 35.810% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400118 |  |  |  | N/A |  |  |  | Yes | Yes | $13211.82 | $1670.32 |  | 7.849% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12574.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [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 |  |  |  | $13211.82 |  | X | $11000.00 | 1.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $429152.49 | 60.440% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400119 |  |  |  | N/A |  |  |  | Yes | Yes | $6970.95 | $1757.26 |  | 8.030% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13099.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [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 |  |  |  | $6970.95 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $669890.67 | 100.000% | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 189.82 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400120 |  |  |  | N/A |  |  |  | Yes | Yes | $7265.80 | $1048.85 |  | 7.802% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4949.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7265.80 |  | X | $500.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $144827.41 | 34.070% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400121 |  |  |  | N/A |  |  |  | Yes | Yes | $14620.74 | $7018.68 |  | 7.884% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29224.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14620.74 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $6000.00 | 0.930% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 92.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400122 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4355.00 | $2988.72 |  | 7.878% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12800.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 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]; 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 |  |  |  | $4355.00 |  | X | $3000.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $102680.85 | 25.990% | 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 |  |  |  |  |  |  |  |  |  |  |  | 5.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400123 |  |  |  | N/A |  |  |  | Yes | Yes | $16360.00 | $2267.30 |  | 7.850% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $7356.52 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16360.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 3 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $12370.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  | No | 7.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400124 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11700.00 | $12929.53 |  | 8.046% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11657.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11700.00 |  | X | $5000.00 | 4.3 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $277267.62 | 28.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400125 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10350.40 | $14583.05 |  | 7.286% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56002.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023 | [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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10350.40 |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $609707.64 | 60.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.76 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400126 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7200.00 | $11846.24 |  | 8.322% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12743.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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 |  |  |  | $7200.00 |  | X | $1100.00 | 4.6 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $34536.84 | 4.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.04 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400127 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21202.50 | $33799.46 |  | 8.003% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47121.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21202.50 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.47 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400128 |  |  |  | N/A |  |  |  | Yes | Yes | $6235.00 | $9316.91 |  | 7.941% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14904.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $6235.00 |  | X | $0.00 | 1.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $224373.71 | 50.420% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.44 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400129 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10228.00 | $15767.02 |  | 7.747% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16838.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10228.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $225130.01 | 42.840% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400130 |  |  |  | N/A |  |  |  | Yes | Yes | $4634.00 | $7229.52 |  | 8.213% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5737.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2023 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4634.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $133072.23 | 35.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400131 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1990.00 | $3753.09 |  | 8.216% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7281.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1990.00 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | X | $174834.13 | 44.260% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.97 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400132 |  |  |  | N/A |  |  |  | Yes | Yes | $2385.00 | $7613.04 |  | 7.821% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49640.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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 - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Capital Gains]; Other - 2025 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2385.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | X | $890073.56 | 71.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400133 |  |  |  | N/A |  |  |  | Yes | Yes | $8875.00 | $11286.02 |  | 8.310% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $90616.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8875.00 |  | X | $6000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 266.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400134 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10190.00 | $16615.93 |  | 7.888% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28239.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2022 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10190.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | X | $143498.64 | 28.690% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400135 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5613.75 | $9260.17 |  | 7.553% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15947.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - 2023<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 |  |  |  | $5613.75 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $308243.13 | 54.790% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.13 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400136 |  |  |  | N/A |  |  |  | Yes | Yes | $5087.00 | $7863.57 |  | 8.117% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5758.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5087.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $159863.28 | 42.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400137 |  |  |  | N/A |  |  |  | Yes | Yes | $12258.00 | $15500.19 |  | 8.432% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $12031.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12258.00 |  | X | $4400.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $230387.28 | 36.050% | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 17.74 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400138 |  |  |  | N/A |  |  |  | Yes | Yes | $8680.00 | $10550.94 |  | 7.983% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11240.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8680.00 |  | X | $0.00 | 5 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $292633.09 | 54.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.73 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400139 |  |  |  | N/A |  |  |  | Yes | Yes | $9076.38 | $13338.28 |  | 7.649% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9505.04 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9076.38 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $254733.22 | 39.180% | No | 25 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 17.54 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400140 |  |  |  | N/A |  |  |  | Yes | Yes | $6107.50 | $6738.00 |  | 7.344% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $38173.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6107.50 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123084.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 51.3 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400141 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $1454.15 |  | 7.622% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9423.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; Third Party Verification - 2025<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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400142 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $3808.92 |  | 7.812% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2961.40 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1995.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $90174.78 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400143 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1955.25 | $5486.78 |  | 6.948% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $16691.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1955.25 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $326265.72 | 49.430% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 47.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400144 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11617.65 | $12463.87 |  | 8.335% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42597.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 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]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11617.65 |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $152454.44 | 23.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400145 |  |  |  | N/A |  |  |  | No | Yes | $3752.50 | $5026.83 |  | 7.459% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3703.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3752.50 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 0 |  | 2 | 0 | 2 | 2 |  |  | 1.00 | No |  |  |  |  |  |  |  |  |  | X | $84592.90 | 31.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400146 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16050.58 | $13567.82 |  | 8.074% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44017.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16050.58 |  | X | $15000.00 | 1.6 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $905689.32 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 153.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400147 |  |  |  | N/A |  |  |  | No | Yes | $3639.04 | $7371.04 |  | 7.855% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $139470.37 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2016<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 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 - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [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 |  |  |  | $3639.04 |  | X | $9000.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 1 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $8000.00 | 1.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 220.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400148 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13990.00 | $16961.66 |  | 8.403% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14663.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13990.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $797554.05 | 100.000% | No | 25 | 24 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 113.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400149 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7807.19 | $10897.79 |  | 8.404% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6626.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7807.19 |  | X | $5000.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $57463.56 | 18.590% | 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 |  |  |  |  |  |  |  |  |  |  |  | 56.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400150 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1845.00 | $3447.56 |  | 6.520% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10556.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 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 |  |  |  | $1845.00 |  | X | $0.00 | 4.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1336797.53 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 358.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400151 |  |  |  | N/A |  |  |  | No | Yes | $3450.60 | $6725.36 |  | 7.127% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19805.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<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 |  |  |  | $3450.60 |  | X | $5000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1211943.06 | 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 |  |  |  |  |  |  |  |  |  |  |  | 292.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400152 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2802.12 | $4467.96 |  | 8.007% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9033.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-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 |  |  |  | $2802.12 |  | X | $88000.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $18969.99 | 4.990% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.79 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400153 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3481.63 | $7547.42 |  | 7.148% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15890.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; Paystubs - 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]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3481.63 |  | X | $5000.00 | 3.1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 1 | 0 | 1 | 2 |  |  | 2.00 | No |  |  |  |  |  | No |  |  |  | X | $208645.61 | 31.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400154 |  |  |  | N/A |  |  |  | No | Yes | $2678.61 | $5021.34 |  | 7.703% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7506.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2678.61 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1196696.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 357.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400155 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $3917.26 |  | 7.099% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $17149.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $4634.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $84810.07 | 36.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 14.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400156 |  |  |  | N/A |  |  |  | No | Yes | $2145.24 | $4283.40 |  | 7.959% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10749.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; 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 - 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 - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025 | [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 |  |  |  | $2145.24 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 1 | 0 | 1 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | X | $461632.32 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 204.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400157 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1805.00 | $3000.33 |  | 7.346% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20440.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 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 |  |  |  | $1805.00 |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $135423.70 | 43.540% | 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 Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400158 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5369.00 | $8107.41 |  | 8.105% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11110.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5369.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $92802.22 | 25.770% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400159 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $6725.80 | $2169.75 |  | 8.575% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20161.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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> [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<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6725.80 |  | X | $11000.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 | 1 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $215030.65 | 38.450% | No | 26 | 12 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400160 |  |  |  | N/A |  |  |  | Yes | Yes | $3728.00 | $4479.31 |  | 8.409% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12904.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 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%)]; Other - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 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%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; 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 - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 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 - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 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 |  |  |  | $3728.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 3 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $195527.25 | 52.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400161 |  |  |  | N/A |  |  |  | Yes | Yes | $6088.00 | $4620.38 |  | 8.301% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14345.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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]; Transcripts (1040) - No Results Returned - 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]; 4506-C - 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 |  |  |  | $6088.00 |  | X | $10400.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $566785.25 | 100.000% | No | 25 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 107.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400162 |  |  |  | N/A |  |  |  | Yes | Yes | $8733.00 | $10815.10 |  | 8.276% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9546.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2016 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8733.00 |  | X | $7500.00 | 3.2 | DU |  | ApproveEligible | No | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $2290513.53 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 633.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400163 |  |  |  | N/A |  |  |  | Yes | Yes | $1718.00 | $5234.44 |  | 7.812% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13408.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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]; 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]; 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 |  |  |  | $1718.00 |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | No | No | X | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $212484.75 | 32.680% | No | 10 | 26 |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400164 |  |  |  | N/A |  |  |  | No | Yes | $13752.24 | $21415.26 |  | 7.419% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28177.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13752.24 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $479123.68 | 34.650% | No | 2 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400165 |  |  |  | N/A |  |  |  | No | Yes | $3579.07 | $6132.85 |  | 7.132% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11569.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3579.07 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $74301.73 | 37.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400166 |  |  |  | N/A |  |  |  | No | Yes | $8542.70 | $16671.05 |  | 7.457% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28009.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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]; 4506-C - 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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8542.70 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $412312.11 | 45.060% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400167 |  |  |  | N/A |  |  |  | No | Yes | $2945.48 | $6338.31 |  | 6.798% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13869.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2945.48 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $378593.58 | 100.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 163.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400168 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14599.48 | $16252.85 |  | 5.941% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16692.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14599.48 |  | X | $15000.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $175852.26 | 31.230% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400169 |  |  |  | N/A |  |  |  | Yes | Yes | $3779.30 | $4639.69 |  | 6.046% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20727.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3779.30 |  | X | $0.00 | 3.9 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $131537.09 | 62.630% | No | 25 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 132.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400170 |  |  |  | N/A |  |  |  | Yes | Yes | $3434.76 | $4301.31 |  | 6.016% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21063.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 |  |  |  | $3434.76 |  | X | $0.00 | 3.6 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $132747.65 | 61.740% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 126.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400171 |  |  |  | N/A |  |  |  | Yes | Yes | $4113.63 | $4686.56 |  | 6.119% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21113.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 |  |  |  | $4113.63 |  | X | $0.00 | 3.5 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $120996.09 | 69.140% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 171.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400172 |  |  |  | N/A |  |  |  | Yes | Yes | $5413.16 | $6325.99 |  | 6.057% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20681.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<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 |  |  |  | $5413.16 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $153002.09 | 55.630% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 97.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400173 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6787.00 | $7893.97 |  | 7.935% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7405.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Deposit Receipt - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| 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<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 |  |  |  | $6787.00 |  | X | $0.00 | 999 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $143065.87 |  | No | 26 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400174 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14382.00 | $14993.41 |  | 7.738% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14855.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<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]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14382.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $64840.22 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400175 |  |  |  | N/A |  |  |  | Yes | Yes | $3658.58 | $4844.90 |  | 8.081% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8554.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3658.58 |  | X | $2000.00 | 1.5 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $131717.82 | 100.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400176 |  |  |  | N/A |  |  |  | Yes | Yes | $9256.97 | $9907.53 |  | 6.986% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5319.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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]; WVOE - 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 |  |  |  | $9256.97 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $103607.22 | 31.670% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.46 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400177 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3066.00 | $3661.70 |  | 4.866% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7738.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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 |  |  |  | $3066.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1208724.48 | 100.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 389.6 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400178 |  |  |  | N/A |  |  |  | No | Yes | $1805.00 | $3472.21 |  | 7.741% | X | X | X | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4167.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 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 | [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<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1805.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 2 | 0 | 1 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $650516.20 | 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 |  |  |  |  |  |  |  |  |  |  |  | 212.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400179 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10952.92 | $11132.85 |  | 7.031% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8375.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10952.92 |  | X | $108500.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $76027.57 | 10.630% | No | 8 | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400180 |  |  |  | N/A |  |  |  | Yes | Yes | $3182.84 | $4872.61 |  | 8.079% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4353.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 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 |  |  |  | $3182.84 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $39832.32 | 22.760% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 113.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400181 |  |  |  | N/A |  |  |  | No | Yes | $4457.08 | $5697.17 |  | 7.708% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22460.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $4457.08 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $547790.73 | 100.000% | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 206.07 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400182 |  |  |  | N/A |  |  |  | Yes | Yes | $6191.00 | $12582.72 |  | 7.499% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19904.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6191.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $203209.58 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.5 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400183 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $14676.91 | $13530.66 |  | 8.380% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10214.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14676.91 |  | X | $13830.00 | 2.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $669139.95 | 96.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 107.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400184 |  |  |  | N/A |  |  |  | Yes | Yes | $5739.12 | $7681.07 |  | 8.103% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9910.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5739.12 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $124656.76 | 36.130% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.28 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400185 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4689.00 | $7870.04 |  | 8.311% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11608.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $4689.00 |  | X | $50000.00 | 2.4 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $538776.28 | 78.990% | No | 25 | 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 |  |  |  |  |  |  |  |  |  |  |  | 85.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400186 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2283.96 | $2774.02 |  | 7.088% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11123.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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<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]; 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 |  |  |  | $2283.96 |  | X | $5209.78 |  | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $249486.73 | 95.770% | No | 32 | 36 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 44.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400187 |  |  |  | N/A |  |  |  | Yes | Yes | $2132.64 | $2819.28 |  | 8.036% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10089.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2132.64 |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No | 25 | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400188 |  |  |  | N/A |  |  |  | Yes | Yes | $9942.00 | $11438.05 |  | 6.764% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  | $9654.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9942.00 |  | X | $6600.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $23860.78 | 5.240% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | VISA |  |  |  | 18.41 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400189 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1870.00 | $2586.42 |  | 7.949% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11150.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<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 |  |  |  | $1870.00 |  | X | $10000.00 | 3.4 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $85137.42 | 34.740% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.41 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400190 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1270.00 | $3002.37 |  | 7.526% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25277.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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]; 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 |  |  |  | $1270.00 |  | X | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $277144.69 | 29.170% | No |  | 26 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 23.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400191 |  |  |  | N/A |  |  |  | Yes | Yes | $1565.00 | $3522.24 |  | 7.297% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15452.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 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 - 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1565.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $245557.83 | 39.600% | No |  | 16 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400192 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1270.00 | $3150.06 |  | 6.929% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12823.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1270.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $208684.01 | 34.830% | No | 20 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400193 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1770.00 | $2999.20 |  | 7.451% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14957.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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 |  |  |  | $1770.00 |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $160784.24 | 35.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400194 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1678.40 | $2879.40 |  | 7.313% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11860.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 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 |  |  |  | $1678.40 |  | X | $0.00 | 4.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 3 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $2179.80 | 0.590% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400195 |  |  |  | N/A |  |  |  | Yes | Yes | $1620.00 | $2777.92 |  | 7.456% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2783.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $5100.20 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $170642.11 | 46.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400196 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3928.38 | $4239.18 |  | 6.969% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18829.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3928.38 |  | X | $0.00 | 2.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 2 | 1 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $222992.80 | 40.540% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400197 |  |  |  | N/A |  |  |  | Yes | Yes | $6705.60 | $7195.76 |  | 6.885% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11259.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Foster Care]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Deposit Receipt - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6705.60 |  | X | $13000.00 | 1.8 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $230722.68 | 35.490% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400198 |  |  |  | N/A |  |  |  | Yes | Yes | $5307.36 | $7769.54 |  | 7.350% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29261.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; W-2 - 2024 | [Borrower]; 1040 - 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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5307.36 |  | X | $1000.00 | 2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $285482.02 | 40.200% | 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 |  |  |  |  |  |  |  |  |  |  |  | 26.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400199 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $2737.95 |  | 7.048% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22647.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 | 3.2 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | X | $409344.81 | 81.880% | 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 |  |  |  |  |  |  |  |  |  |  |  | 90.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400200 |  |  |  | N/A |  |  |  | Yes | Yes | $1870.00 | $2993.38 |  | 7.966% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11948.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1870.00 |  | X | $2187.50 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $114506.23 | 30.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.41 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400201 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $3838.20 |  | 7.312% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5732.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 1040 - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $162619.26 | 34.490% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400202 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $5426.25 |  | 7.294% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8224.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $405236.34 | 52.280% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400203 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2025.00 | $2934.92 |  | 7.058% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16268.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2025.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $253248.73 | 52.210% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400204 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7316.64 | $9603.89 |  | 7.263% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36482.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7316.64 |  | X | $5000.00 | 4.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1176353.36 | 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 |  |  |  |  |  |  |  |  |  |  |  | 179.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400205 |  |  |  | N/A |  |  |  | Yes | Yes | $1690.00 | $3397.12 |  | 7.807% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10465.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Account Statements - Business - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1690.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $501963.01 | 74.600% | 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 |  |  |  |  |  |  |  |  |  |  |  | 76.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400206 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1870.00 | $4255.86 |  | 7.179% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37424.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 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> [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%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1870.00 |  | X | $0.00 | 3.7 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $278161.00 | 33.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400207 |  |  |  | N/A |  |  |  | Yes | Yes | $4000.00 | $8258.96 |  | 7.619% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12203.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4000.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 3 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $175567.61 | 29.500% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400208 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12326.96 | $14162.98 |  | 6.935% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $74179.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $12326.96 |  | X | $20400.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $341485.91 | 37.520% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.73 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400209 |  |  |  | N/A |  |  |  | Yes | Yes | $2481.86 | $4414.54 |  | 7.693% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26707.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 2025<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%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2481.86 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400210 |  |  |  | N/A |  |  |  | Yes | Yes | $1365.00 | $2830.92 |  | 7.561% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $14317.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 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]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1365.00 |  | X | $2500.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $99508.97 | 24.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400211 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4186.00 | $5501.12 |  | 7.440% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5448.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4186.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $106221.36 |  | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400212 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $2866.88 | $3869.59 |  | 8.140% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5450.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 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<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2866.88 |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400213 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8913.34 | $9825.91 |  | 8.149% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21601.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 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]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8913.34 |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $61667.68 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400214 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.481% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12745.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $309281.88 | 81.600% | No | 6 | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 74.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400215 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.358% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8334.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $292201.16 | 82.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400216 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.373% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7397.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $5064.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $76536.65 | 30.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400217 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 8.113% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11749.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [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%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $252254.28 | 47.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400218 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 7.586% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5852.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $850.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $115981.85 | 24.410% | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 5.88 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400219 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8716.51 | $11295.43 |  | 9.110% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $63903.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $8716.51 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | X | $426451.56 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400220 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $3880.43 |  | 8.477% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8998.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $1995.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | X | $133279.10 | 17.580% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400221 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5730.23 | $6792.37 |  | 8.316% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8668.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $5730.23 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | X | $141980.34 | 52.580% | No | 25 | 37 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.22 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400222 |  |  |  | N/A |  |  |  | No | Yes | $6233.88 | $7703.65 |  | 8.087% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11910.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $6233.88 |  | X | $4500.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $96702.12 | 33.340% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400223 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.748% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8170.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $490378.69 |  | No | 34 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 271.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400224 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.688% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22961.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.82 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400225 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.819% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5805.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $181142.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 118.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400226 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1555.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $270859.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 193.16 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400227 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.819% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2974.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $15666.20 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400228 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.942% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9187.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $68130.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400229 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.324% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5596.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $143315.16 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.82 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400230 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.198% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3886.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $121775.30 |  | No | 72 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400231 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.198% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3886.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $121775.30 |  | No | 73 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400232 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.198% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3887.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $90625.30 |  | No | 73 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 76.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400233 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.322% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3880.25 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $116787.49 |  | No | 73 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 72.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400234 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.322% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3885.18 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $90625.30 |  | No | 73 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 71.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400235 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.322% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3886.45 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $119139.38 |  | No | 72 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 70.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400236 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.748% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3450.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $24076.08 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.08 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400237 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.701% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8139.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $24501.60 |  | No |  |  |  |  | Yes | Missing | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400238 |  |  |  | N/A |  |  |  | Yes | Yes | $2020.00 | $197.90 |  | 7.498% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5661.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Housing Allowance]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; 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]; 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 |  |  |  | $2020.00 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $27957.98 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400239 |  |  |  | N/A |  |  |  | Yes | Yes | $2020.00 | $2283.28 |  | 7.771% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16207.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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]; 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<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]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2020.00 |  | X | $15400.00 | 1.6 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $421796.25 | 33.740% | No |  | 27 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 36.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400240 |  |  |  | N/A |  |  |  | Yes | Yes | $14260.00 | $15416.14 |  | 6.997% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8449.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 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%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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%)]; Other - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14260.00 |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $53684.07 | 10.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 133.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400241 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2938.94 | $4427.18 |  | 6.729% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8176.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 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 | [Borrower]; Tax Return Extension - 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 |  |  |  | $2938.94 |  | X | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $397806.23 | 80.670% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400242 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4928.66 | $5363.26 |  | 6.253% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6823.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Wages]; W-2 - 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 |  |  |  | $4928.66 |  | X | $18900.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $320985.23 | 78.670% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.75 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400243 |  |  |  | N/A |  |  |  | Yes | Yes | $9041.60 | $10324.16 |  | 7.964% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17722.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; Other - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9041.60 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $10370.54 | 2.590% | 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 |  |  |  |  |  |  |  |  |  |  |  | 41.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400244 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6900.23 | $7542.41 |  | 7.160% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13631.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [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]; Tax Return Extension - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6900.23 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $363055.47 | 62.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 94.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400245 |  |  |  | N/A |  |  |  | Yes | Yes | $6702.64 | $8003.33 |  | 7.237% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7860.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6702.64 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $515535.04 | 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 |  |  |  |  |  |  |  |  |  |  |  | 182.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400246 |  |  |  | N/A |  |  |  | Yes | Yes | $9410.17 | $6043.94 |  | 7.635% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24115.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<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]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9410.17 |  | X | $10000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $303102.50 | 57.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 100.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400247 |  |  |  | N/A |  |  |  | Yes | Yes | $3158.12 | $3662.42 |  | 7.398% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7654.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $3158.12 |  | X | $3026.93 | 2.6 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $185207.51 | 61.180% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400248 |  |  |  | N/A |  |  |  | Yes | Yes | $6907.04 | $5431.31 |  | 7.103% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22555.96 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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 |  |  |  | $6907.04 |  | X | $10000.00 |  | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $216985.67 | 39.810% | No | 27 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400249 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $2485.15 |  | 7.669% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9921.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $15000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 1 | 0 | 4 | 3 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $17205.49 | 2.490% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400250 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $3271.35 |  | 6.927% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14658.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1467082.59 | 100.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 351.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400251 |  |  |  | N/A |  |  |  | Yes | Yes | $9231.40 | $10387.22 |  | 7.185% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5639.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $9231.40 |  | X | $8906.50 | 1.8 | DU |  | ApproveEligible | No | No | X | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $155934.27 | 35.010% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.92 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400252 |  |  |  | N/A |  |  |  | Yes | Yes | $13627.73 | $14465.51 |  | 6.666% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15289.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024 | [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) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13627.73 |  | X | $4054.26 | 1.2 | DU |  | ApproveEligible | No | No | X | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $612143.87 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400253 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1270.00 | $2860.66 |  | 7.026% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19216.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1270.00 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $723587.54 | 85.120% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 104.95 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400254 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5805.18 | $6149.82 |  | 6.797% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58889.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5805.18 |  | X | $1500.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $210803.90 | 49.110% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400255 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1870.00 | $2655.72 |  | 7.185% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8081.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<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 |  |  |  | $1870.00 |  | X | $1420.00 | 1.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $230664.77 | 49.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400256 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1620.00 | $3016.03 |  | 6.800% | X | X | X | No | No | Employed | Employed | Employed | Not Employed | 12.36 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $53679.22 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 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]; 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 |  |  |  | $1620.00 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $392264.58 | 64.510% | No |  | 27 | 27 |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 68.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400257 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5149.41 | $6120.21 |  | 7.362% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11379.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 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 - \| Non-Primary Income - Asset Depletion]; Account Statements - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5149.41 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | No |  |  |  | X | $1056704.50 | 100.000% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 240.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400258 |  |  |  | N/A |  |  |  | Yes | Yes | $10628.59 | $11194.32 |  | 7.198% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6069.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10628.59 |  | X | $8598.00 | 3.4 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $146521.24 | 34.080% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400259 |  |  |  | N/A |  |  |  | Yes | Yes | $2814.00 | $3106.64 |  | 7.315% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12190.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024 | [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 |  |  |  | $2814.00 |  | X | $11999.98 | 1.5 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $615553.08 | 100.000% | No | 36 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 124.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400260 |  |  |  | N/A |  |  |  | Yes | Yes | $1620.00 | $2391.56 |  | 7.471% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24728.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1620.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $138685.52 | 49.530% | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400261 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1579.44 | $2328.26 |  | 7.419% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7039.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1579.44 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | No |  |  |  | X | $2048164.80 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 461.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400262 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1870.00 | $3076.76 |  | 7.377% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6540.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1870.00 |  | X | $8657.00 | 2 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $92381.83 | 36.220% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400263 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2943.40 | $3791.04 |  | 6.900% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19726.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $2943.40 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $355467.24 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 149.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400264 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $3516.24 | $5572.10 |  | 8.256% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6442.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3516.24 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $19537.89 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400265 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7850.00 | $8752.55 |  | 7.260% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5066.26 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7850.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 |  | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $12371.64 |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.43 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400266 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $2837.86 |  | 8.825% | X | X | X | No | No | Employed | Self-Employed | Employed |  | 18.88 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $16290.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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%)]; 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%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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 |  |  |  | $1595.00 |  | X | $2.39 |  | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $13309.66 | 7.820% | No | 26 |  | 26 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 70.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400267 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $7622.40 |  | 7.933% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18474.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; 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 |  |  |  | $1790.00 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $23711.53 | 3.640% | No |  | 27 |  |  | Yes | Commitment | 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 |  |  |  |  |  |  |  |  |  |  |  | 3.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400268 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2395.00 | $10699.69 |  | 8.059% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14384.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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> [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 |  |  |  | $2395.00 |  | X | $44105.00 | 2.2 | DU |  | ApproveEligible | No | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $87866.89 | 25.840% | No | 27 | 27 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400269 |  |  |  | N/A |  |  |  | Yes | Yes | $7520.20 | $10417.21 |  | 7.644% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11389.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [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%)]; Paystubs - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 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 |  |  |  | $7520.20 |  | X | $7200.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $183881.15 | 51.070% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400270 |  |  |  | N/A |  |  |  | Yes | Yes | $2086.65 | $4563.01 |  | 7.252% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9559.58 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2086.65 |  | X | $2850.00 |  | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $291069.81 | 76.390% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400271 |  |  |  | N/A |  |  |  | Yes | Yes | $3891.50 | $4846.62 |  | 7.110% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24636.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3891.50 |  | X | $5000.00 | 1.5 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $230369.87 | 43.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400272 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $6490.72 |  | 7.271% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18355.82 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 2 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $370954.66 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 39.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400273 |  |  |  | N/A |  |  |  | Yes | Yes | $1840.00 | $5744.28 |  | 7.341% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22047.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; 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]; Transcripts (1040) - No Results Returned - 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]; 4506-C - 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 |  |  |  | $1840.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $418679.23 | 53.950% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400274 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $4153.74 |  | 7.735% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $15455.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; Paystubs - 2024<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $6500.00 | 2.3 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1122099.06 | 100.000% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport | Passport |  |  |  | 219.8 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400275 |  |  |  | N/A |  |  |  | Yes | Yes | $1783.00 | $3536.36 |  | 7.653% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13286.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<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]; 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 |  |  |  | $1783.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1364224.96 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 363.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400276 |  |  |  | N/A |  |  |  | Yes | Yes | $6311.67 | $8111.20 |  | 7.600% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7515.54 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 2025<br> [Borrower - \| 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6311.67 |  | X | $6718.00 |  | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $147363.51 | 43.220% | No | 2 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400277 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.00 | $2680.82 |  | 7.720% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7764.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 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 |  |  |  | $1645.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $113803.94 | 30.520% | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400278 |  |  |  | N/A |  |  |  | Yes | Yes | $8927.50 | $10656.06 |  | 7.510% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24202.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $8927.50 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $504045.24 | 80.000% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400279 |  |  |  | N/A |  |  |  | Yes | Yes | $1595.00 | $4389.35 |  | 7.239% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17174.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2005<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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $170620.86 | 42.660% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400280 |  |  |  | N/A |  |  |  | Yes | Yes | $5698.00 | $4864.68 |  | 8.523% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11387.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 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 - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5698.00 |  | X | $300.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $461421.97 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400281 |  |  |  | N/A |  |  |  | Yes | Yes | $3425.00 | $0.00 |  | 8.211% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12373.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3425.00 |  | X | $15500.00 | 2.2 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $627357.85 | 65.340% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400282 |  |  |  | N/A |  |  |  | Yes | Yes | $1595.00 | $3851.26 |  | 7.305% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13942.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $1595.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $964040.80 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 133.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400283 |  |  |  | N/A |  |  |  | Yes | Yes | $8932.78 | $7982.75 |  | 7.055% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6160.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 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 |  |  |  | $8932.78 |  | X | $7865.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $275761.47 | 57.690% | 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 |  |  |  |  |  |  |  |  |  |  |  | 55.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400284 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.00 | $1416.96 |  | 7.889% | X | X | X | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $9016.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 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 |  |  |  | $1645.00 |  | X | $5500.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $223449.30 | 63.860% | No |  | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 68.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400285 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $4287.36 |  | 7.728% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7174.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; 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 |  |  |  | $1745.00 |  | X | $12300.00 | 2.1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $272630.02 | 41.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400286 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $0.00 |  | 7.375% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7441.12 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $15000.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $443404.89 | 51.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400287 |  |  |  | N/A |  |  |  | Yes | Yes | $8945.00 | $11238.94 |  | 8.268% | X | X | X | No | No | Employed | Non-Employment Income | Employed |  | 1.23 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8103.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8945.00 |  | X | $0.00 | 2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $144691.78 | 32.150% | No | 27 |  | 15 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 7.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400288 |  |  |  | N/A |  |  |  | Yes | Yes | $1840.00 | $3483.83 |  | 7.209% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4706.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1840.00 |  | X | $1000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 2 | 0 | 3 | 2 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | X | $9751.65 | 2.580% | 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 |  |  |  |  |  |  |  |  |  |  |  | 87.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400289 |  |  |  | N/A |  |  |  | Yes | Yes | $1595.00 | $3409.37 |  | 7.140% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10182.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 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]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $916632.80 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 242.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400290 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $3524.98 |  | 7.008% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11323.17 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $98781.55 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400291 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.37 | $3548.11 |  | 7.180% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19482.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2023<br> [Borrower - \| Primary Income - Wages]; Other - 2022<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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<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]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1645.37 |  | X | $9900.00 | 1.4 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $205596.42 | 41.120% | No |  | 25 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.03 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400292 |  |  |  | N/A |  |  |  | Yes | Yes | $10244.40 | $11384.61 |  | 8.193% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $11504.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; 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%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| 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]; 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]; 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]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10244.40 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 2 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $140314.02 | 20.230% | No |  | 26 |  |  | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 9.95 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400293 |  |  |  | N/A |  |  |  | Yes | Yes | $11273.50 | $14685.62 |  | 6.755% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14544.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11273.50 |  | X | $0.00 | 4.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $300105.79 | 42.870% | No | 27 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400294 |  |  |  | N/A |  |  |  | Yes | Yes | $2322.20 | $4464.26 |  | 8.381% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43218.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 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 - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 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 - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 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 |  |  |  | $2322.20 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400295 |  |  |  | N/A |  |  |  | Yes | Yes | $1595.00 | $4170.26 |  | 7.195% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18619.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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> [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 |  |  |  | $1595.00 |  | X | $4000.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $645826.53 | 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 |  |  |  |  |  |  |  |  |  |  |  | 145.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400296 |  |  |  | N/A |  |  |  | Yes | Yes | $1840.00 | $3662.30 |  | 7.452% | X | X | X | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3676.08 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1840.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $457845.85 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400297 |  |  |  | N/A |  |  |  | Yes | Yes | $4257.75 | $6179.81 |  | 7.198% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6107.33 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Account Statements - 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 |  |  |  | $4257.75 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $317356.05 | 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 |  |  |  |  |  |  |  |  |  |  |  | 115.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400298 |  |  |  | N/A |  |  |  | Yes | Yes | $2734.03 | $3929.61 |  | 7.257% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6502.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2005<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2734.03 |  | X | $500.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $133589.11 | 35.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  | 8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400299 |  |  |  | N/A |  |  |  | Yes | Yes | $5615.00 | $8250.48 |  | 8.830% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20293.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 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]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5615.00 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $26276.07 |  | No | 4 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400300 |  |  |  | N/A |  |  |  | Yes | Yes | $3813.72 | $5286.30 |  | 7.179% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4937.35 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 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]; 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 |  |  |  | $3813.72 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 1 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $174347.12 | 33.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400301 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $3424.00 |  | 7.186% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27509.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | ($9461.50) | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $237695.53 | 37.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400302 |  |  |  | N/A |  |  |  | Yes | Yes | $1690.00 | $6560.28 |  | 7.057% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33254.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - 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%)]; 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 - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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 - S-Corp (>= 25%)]; Third Party Verification - 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%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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) - 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]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1690.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 2 | 1 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $250026.75 | 27.620% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400303 |  |  |  | N/A |  |  |  | Yes | Yes | $1920.00 | $3042.80 |  | 7.050% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8138.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1920.00 |  | X | $0.00 | 4.1 | LP / LPA |  | Accept/Eligible | No | No | X | 3 |  | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $352511.07 | 57.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400304 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.00 | $4796.20 |  | 7.055% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19182.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  | $1645.00 |  | X | $0.00 | 999 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $607685.82 | 82.110% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400305 |  |  |  | N/A |  |  |  | Yes | Yes | $1686.82 | $2929.94 |  | 7.480% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9002.01 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1686.82 |  | X | $5000.00 |  | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $209244.92 | 61.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400306 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $3521.90 |  | 7.444% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19632.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $1000.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $995315.65 | 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 |  |  |  |  |  |  |  |  |  |  |  | 230.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400307 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $3210.72 |  | 7.460% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19632.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 2.7 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $995315.65 | 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 |  |  |  |  |  |  |  |  |  |  |  | 275.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400308 |  |  |  | N/A |  |  |  | Yes | Yes | $1745.00 | $2498.63 |  | 6.966% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $13773.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 2.3 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $148820.90 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 28.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400309 |  |  |  | N/A |  |  |  | Yes | Yes | $4635.80 | $5411.59 |  | 7.383% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6210.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4635.80 |  | X | $17000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $280757.78 | 32.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400310 |  |  |  | N/A |  |  |  | Yes | Yes | $2499.71 | $3851.04 |  | 6.723% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15690.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 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 |  |  |  | $2499.71 |  | X | $5000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $288188.34 | 51.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400311 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.00 | $3514.31 |  | 7.727% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10660.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1645.00 |  | X | $5000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $837360.69 | 85.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400312 |  |  |  | N/A |  |  |  | Yes | Yes | $7393.63 | $8294.57 |  | 6.878% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $147213.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7393.63 |  | X | $1500.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $751386.13 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 475.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400313 |  |  |  | N/A |  |  |  | Yes | Yes | $3561.25 | $4206.17 |  | 7.090% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22093.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; 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%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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> [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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3561.25 |  | X | $0.00 | 3.9 | DU |  | ApproveEligible | No | No | X | 2 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $207839.27 | 38.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400314 |  |  |  | N/A |  |  |  | Yes | Yes | $4814.81 | $3308.92 |  | 7.059% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15532.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4814.81 |  | X | $12310.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $314454.43 | 51.080% | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.9 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400315 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3239.00 | $3897.85 |  | 7.114% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8762.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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]; 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]; 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 |  |  |  | $3239.00 |  | X | $0.00 | 4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $404347.71 | 100.000% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 133.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400316 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1395.00 | $2766.39 |  | 6.861% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10745.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; 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 |  |  |  | $1395.00 |  | X | $12500.00 | 1.3 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $19222.47 | 2.950% | No | 15 | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400317 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $2271.72 |  | 8.181% | X | X | X | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19164.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $7100.00 | 4.7 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $474786.29 | 66.870% | 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 |  |  |  |  |  |  |  |  |  |  |  | 74.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400318 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8080.00 | $8193.20 |  | 7.822% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8192.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<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) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 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]; 4506-C - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8080.00 |  | X | $10000.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $148289.95 | 36.610% | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400319 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8083.36 | $12669.46 |  | 7.920% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7728.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 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%)]; Third Party Verification - 2025<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%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $8083.36 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $445558.39 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 138.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400320 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $5095.00 | $5962.55 |  | 8.433% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8496.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| 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<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 |  |  |  | $5095.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $151611.35 | 35.670% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400321 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $5589.87 | $0.00 |  | 8.145% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9488.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 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<br> [Coborrower]; 4506-C - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5589.87 |  | X | $17791.79 | 1.6 | DU |  | ApproveEligible | No | No | X | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | X | $68998.85 | 23.000% | No |  | 13 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.23 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400322 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $3578.08 |  | 8.351% | X | X | X | No | No | Employed | Employed | Employed | Employed | 3.12 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $27531.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 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<br> [Coborrower]; 4506-C - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | No | No | X | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $197675.53 | 39.610% | No | 26 | 2 | 26 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 36.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400323 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5521.88 | $8245.34 |  | 8.137% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12886.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5521.88 |  | X | $0.00 | 3.5 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $175169.61 | 28.830% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400324 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4105.93 | $5793.54 |  | 7.865% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7485.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<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]; 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 |  |  |  | $4105.93 |  | X | $5000.00 | 1.2 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $174075.69 | 29.940% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400325 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $950.00 |  | 5.884% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30342.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $1745.00 |  | X | $15339.89 | 2.7 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $618822.91 | 69.930% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 94.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400326 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $4582.52 |  | 7.597% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9713.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $45598.49 | 11.390% | 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 |  |  |  |  |  |  |  |  |  |  |  | 3.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400327 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1840.00 | $4470.40 |  | 7.485% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18953.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1840.00 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $404428.13 | 94.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400328 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6332.58 | $1071.68 |  | 8.096% | X | X | X | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4700.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2005<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6332.58 |  | X | $11400.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $44545.27 | 14.930% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400329 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1840.00 | $3992.94 |  | 7.485% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32529.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $1840.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $579433.77 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 179.31 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400330 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7497.00 | $6491.51 |  | 7.132% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27346.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7497.00 |  | X | $12000.00 | 1.5 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $57912.57 | 8.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400331 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1840.00 | $3543.10 |  | 7.488% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12417.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 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 |  |  |  | $1840.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1323515.98 | 100.000% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 425.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400332 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $3562.86 |  | 8.752% | X | X | X | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5298.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $269021.50 | 56.160% | 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 |  |  |  |  |  |  |  |  |  |  |  | 98.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400333 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $2475.94 |  | 7.478% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12693.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 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]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 1 | 2 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $355897.12 | 57.120% | No |  | 16 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 47.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400334 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1763.80 | $1892.41 |  | 7.425% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20228.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $1763.80 |  | X | $8100.00 | 1.1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $103648.01 | 21.820% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400335 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $0.00 |  | 8.078% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9921.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | X | $11302.27 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $126301.98 | 27.460% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400336 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7287.33 | $11489.27 |  | 7.005% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9154.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 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]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7287.33 |  | X | $3360.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $103787.32 | 28.810% | 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 |  |  |  |  |  |  |  |  |  |  |  | 4.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400337 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4765.00 | $839.84 |  | 6.334% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13646.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [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 |  |  |  | $4765.00 |  | X | $21372.76 | 2.6 | DU |  | ApproveEligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $212797.96 | 54.560% | No |  | 1 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 33.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400338 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7585.00 | $830.06 |  | 8.161% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49510.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 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%)]; 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]; 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]; Transcripts (1040) - 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 |  |  |  | $7585.00 |  | X | $15000.00 | 1.9 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $160954.05 | 24.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400339 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $3525.55 |  | 8.035% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16548.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $1745.00 |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $186214.57 | 53.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400340 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4513.80 | $2031.96 |  | 7.015% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27531.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4513.80 |  | X | $8430.00 | 2.5 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $245713.24 | 45.500% | 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 |  |  |  |  |  |  |  |  |  |  |  | 33.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400341 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1545.00 | $2403.08 |  | 8.114% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20671.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<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%)]; 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%)]; 1120S - 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]; 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 |  |  |  | $1545.00 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $133545.44 | 27.820% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400342 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $3285.88 |  | 7.713% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20030.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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]; 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 |  |  |  | $1745.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $183469.55 |  | No |  | 25 |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 77.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400343 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $3399.36 |  | 7.977% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20135.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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]; 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 |  |  |  | $1745.00 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $183469.55 |  | No |  | 25 |  |  | Yes | Short Form | 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 |  |  |  |  |  |  |  |  |  |  | No | 76.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400344 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1840.00 | $5458.56 |  | 7.404% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13452.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $1840.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $479169.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400345 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6800.00 | $9174.33 |  | 7.173% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27755.11 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [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 |  |  |  | $6800.00 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $71727.58 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400346 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $2161.00 | $2853.93 |  | 8.744% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19828.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [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<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2161.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $24144.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400347 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9120.00 | $12647.10 |  | 8.283% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9865.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9120.00 |  | X | $10000.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $115122.13 | 16.800% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400348 |  |  |  | N/A |  |  |  | Yes | Yes | $5801.16 | $6904.91 |  | 8.110% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8428.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5801.16 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400349 |  |  |  | N/A |  |  |  | Yes | No | $5817.16 | $7798.86 |  | 8.452% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5648.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5817.16 |  | X | $500.00 | 999 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $1275.72 | 0.620% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400350 |  |  |  | N/A |  |  |  | Yes | Yes | $8693.52 | $13718.62 |  | 7.497% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15096.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8693.52 |  | X | $4000.00 | 1.6 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $305976.13 | 32.220% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400351 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16020.25 | $17602.78 |  | 7.571% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7626.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $16020.25 |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $682973.71 | 91.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400352 |  |  |  | N/A |  |  |  | Yes | Yes | $7403.00 | $11088.01 |  | 7.642% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10311.68 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; The Work Number - Income - 2025 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7403.00 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No | 27 | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400353 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13139.06 | $7393.81 |  | 6.730% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4846.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13139.06 |  | X | $50000.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $191418.54 | 31.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.76 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400354 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $3390.50 | $4484.25 |  | 8.444% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4374.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $3390.50 |  | X | $4984.00 | 2.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $25298.32 | 15.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400355 |  |  |  | N/A |  |  |  | Yes | Yes | $3756.34 | $5079.74 |  | 7.676% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27087.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 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]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3756.34 |  | X | $5459.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $71916.27 | 26.340% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400356 |  |  |  | N/A |  |  |  | Yes | Yes | $18950.64 | $19865.16 |  | 7.322% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8285.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18950.64 |  | X | $8447.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $162420.56 | 31.840% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400357 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6985.78 | $8489.75 |  | 6.996% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9588.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6985.78 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $98448.27 |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400358 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6846.93 | $8315.94 |  | 6.998% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9588.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6846.93 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $98448.27 |  | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400359 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8738.22 | $12529.22 |  | 7.629% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42405.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8738.22 |  | X | $0.00 | 4.8 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400360 |  |  |  | N/A |  |  |  | Yes | Yes | $9255.23 | $11153.66 |  | 8.057% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5430.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9255.23 |  | X | $6272.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $159805.34 | 50.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400361 |  |  |  | N/A |  |  |  | Yes | Yes | $4168.00 | $5834.79 |  | 8.219% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12316.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4168.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $16211.00 | 5.680% | No | 36 | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400362 |  |  |  | N/A |  |  |  | Yes | Yes | $3486.79 | $5580.82 |  | 8.051% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7509.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3486.79 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400363 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4645.00 | $8505.78 |  | 7.093% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10626.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  | $4645.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $694802.08 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 214.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400364 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18493.06 | $6488.04 |  | 7.559% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42857.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18493.06 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $393760.28 | 37.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400365 |  |  |  | N/A |  |  |  | Yes | Yes | $15343.64 | $8264.44 |  | 8.333% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $68858.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; 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 - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15343.64 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $41038.60 | 8.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 73.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400366 |  |  |  | N/A |  |  |  | Yes | Yes | $12453.96 | $7699.25 |  | 7.756% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12819.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12453.96 |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400367 |  |  |  | N/A |  |  |  | Yes | Yes | $12022.96 | $5211.93 |  | 7.993% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6684.22 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12022.96 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $45000.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400368 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7416.96 | $6665.82 |  | 8.324% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10939.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7416.96 |  | X | $11070.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $260988.95 | 70.720% | No |  | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400369 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7888.75 | $11762.67 |  | 6.838% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11731.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; 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 |  |  |  | $7888.75 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $194280.48 | 38.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400370 |  |  |  | N/A |  |  |  | Yes | Yes | $18416.78 | $21531.68 |  | 7.092% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9034.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18416.78 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $257898.20 | 39.670% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400371 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $6169.50 | $2208.01 |  | 8.363% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37857.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6169.50 |  | X | $0.00 | 3.2 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $483312.78 | 80.550% | No | 26 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400372 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8690.00 | $10345.62 |  | 8.435% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6783.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [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 |  |  |  | $8690.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $134079.81 | 33.940% | No | 49 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400373 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5110.25 | $13880.63 |  | 8.314% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44904.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<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]; 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5110.25 |  | X | $5081.28 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $684315.94 | 86.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 95.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400374 |  |  |  | N/A |  |  |  | Yes | Yes | $14038.04 | $17269.53 |  | 7.530% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19062.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<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 |  |  |  | $14038.04 |  | X | $4500.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $142850.00 | 36.620% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400375 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7418.09 | $9977.50 |  | 7.692% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22227.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $7418.09 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $99595.05 | 25.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.19 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400376 |  |  |  | N/A |  |  |  | Yes | Yes | $8387.00 | $9243.84 |  | 7.766% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6267.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $8387.00 |  | X | $0.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $147324.15 | 32.770% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400377 |  |  |  | N/A |  |  |  | Yes | Yes | $6060.85 | $8673.21 |  | 7.219% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10625.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6060.85 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $659453.66 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 192.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400378 |  |  |  | N/A |  |  |  | Yes | Yes | $9619.00 | $6281.50 |  | 8.269% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12408.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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]; Paystubs - 2024<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 |  |  |  | $9619.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $93916.86 |  | No | 12 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.9 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400379 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17349.10 | $23548.25 |  | 6.794% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34252.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<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 |  |  |  | $17349.10 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $38936.33 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.69 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400380 |  |  |  | N/A |  |  |  | Yes | Yes | $6471.24 | $8849.07 |  | 6.853% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43204.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $6471.24 |  | X | $9000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $201682.46 | 44.180% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 135.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400381 |  |  |  | N/A |  |  |  | Yes | Yes | $7628.05 | $3468.60 |  | 7.429% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7400.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7628.05 |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $213515.80 | 43.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400382 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7140.04 | $9152.14 |  | 8.022% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15816.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 |  |  |  | $7140.04 |  | X | $10500.00 | 3 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $875210.94 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 153.13 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400383 |  |  |  | N/A |  |  |  | Yes | Yes | $6368.98 | $7268.64 |  | 7.077% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10068.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6368.98 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $214215.90 | 54.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400384 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5779.00 | $4191.75 |  | 7.968% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11703.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| 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]; W-2 - 2024<br> [Coborrower(s) - \| Non-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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5779.00 |  | X | $400.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $145292.87 | 38.030% | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400385 |  |  |  | N/A |  |  |  | Yes | Yes | $10214.88 | $3511.99 |  | 7.450% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16764.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 |  |  |  | $10214.88 |  | X | $0.00 | 1.6 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $221517.92 | 45.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 26.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400386 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7113.82 | $2979.11 |  | 7.931% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4763.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7113.82 |  | X | $2750.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $160103.69 | 33.350% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II |  | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400387 |  |  |  | N/A |  |  |  | Yes | Yes | $8128.96 | $9986.36 |  | 8.121% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32447.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8128.96 |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $219869.68 | 42.690% | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400388 |  |  |  | N/A |  |  |  | Yes | Yes | $11536.65 | $7380.26 |  | 7.176% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16212.80 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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%)]; 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%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11536.65 |  | X | $7000.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $164056.76 | 29.820% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400389 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21661.76 | $1753.97 |  | 8.334% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $76032.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; 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 |  |  |  | $18460.77 |  | X | $13980.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $273027.77 | 39.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400390 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8009.89 | $8914.56 |  | 7.264% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11770.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8009.89 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $156502.44 | 34.770% | No |  | 26 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400391 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9697.05 | $6905.90 |  | 8.309% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5884.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 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 |  |  |  | $9697.05 |  | X | $16750.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $530.73 | 0.130% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.8 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400392 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1000.01 | $2899.95 |  | 7.719% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16350.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - Employment Only - 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 |  |  |  | $1000.01 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $187097.53 | 49.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400393 |  |  |  | N/A |  |  |  | Yes | Yes | $15533.00 | $8360.83 |  | 8.095% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26428.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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%)]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15533.00 |  | X | $0.00 | 4.8 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $242006.37 | 34.080% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400394 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4533.75 | $7206.11 |  | 8.668% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14306.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4533.75 |  | X | $3135.60 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $64123.18 | 15.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400395 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9373.34 | $7230.76 |  | 7.799% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8554.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9373.34 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $93348.02 | 18.950% | No | 38 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400396 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7406.13 | $8937.06 |  | 7.910% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10886.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7406.13 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $91225.38 | 22.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400397 |  |  |  | N/A |  |  |  | Yes | Yes | $9782.80 | $9754.52 |  | 7.653% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21001.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9782.80 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $221655.70 | 35.460% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400398 |  |  |  | N/A |  |  |  | Yes | Yes | $2569.45 | $4810.89 |  | 6.720% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30528.88 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2569.45 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $316564.91 | 58.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400399 |  |  |  | N/A |  |  |  | Yes | Yes | $12347.46 | $5016.26 |  | 7.674% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16344.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  |  | $12347.46 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $260971.28 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400400 |  |  |  | N/A |  |  |  | Yes | Yes | $23850.06 | $14136.33 |  | 7.317% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17661.19 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23850.06 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $431161.02 | 74.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400401 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $15512.09 | $20459.94 |  | 8.797% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15330.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12987.09 |  | X | $2525.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $141698.58 | 28.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400402 |  |  |  | N/A |  |  |  | Yes | Yes | $6233.03 | $2557.02 |  | 7.821% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8812.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6233.03 |  | X | $880.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $208899.96 | 50.950% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400403 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $11657.45 | $5864.18 |  | 8.272% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8156.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11657.45 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $126335.97 | 25.520% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400404 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $14513.20 | $8459.46 |  | 8.242% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10345.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14513.20 |  | X | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | No |  |  |  | X | $2006392.31 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 331.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400405 |  |  |  | N/A |  |  |  | Yes | Yes | $6490.25 | $9249.77 |  | 7.290% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16031.12 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6490.25 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $74500.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400406 |  |  |  | N/A |  |  |  | Yes | Yes | $2395.17 | $3360.81 |  | 7.092% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6484.04 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $2395.17 |  | X | $4000.00 |  | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $194800.35 | 43.770% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400407 |  |  |  | N/A |  |  |  | Yes | Yes | $4815.00 | $6230.77 |  | 7.779% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8950.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<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 - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4815.00 |  | X | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $209452.54 | 38.780% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400408 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8694.82 | $22596.58 |  | 6.612% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35619.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8694.82 |  | X | $35000.00 | 3.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $253597.27 | 28.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400409 |  |  |  | N/A |  |  |  | Yes | Yes | $17087.23 | $9503.65 |  | 8.067% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14930.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 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 |  |  |  | $17087.23 |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $295347.54 | 59.670% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400410 |  |  |  | N/A |  |  |  | Yes | Yes | $13250.53 | $16232.28 |  | 8.443% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7750.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13250.53 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $34910.77 | 9.830% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400411 |  |  |  | N/A |  |  |  | Yes | Yes | $27329.32 | $29915.17 |  | 6.745% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15075.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $27329.32 |  | X | $9324.04 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $126289.09 | 27.080% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400412 |  |  |  | N/A |  |  |  | Yes | Yes | $16748.48 | $9588.72 |  | 7.225% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18038.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16748.48 |  | X | $10920.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $7150.02 | 1.300% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400413 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7826.88 | $10497.90 |  | 8.549% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4893.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $7826.88 |  | X | $8500.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $105220.36 | 32.120% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400414 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8690.00 | $5296.08 |  | 8.013% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16391.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [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 |  |  |  | $8690.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $667720.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 177.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400415 |  |  |  | N/A |  |  |  | Yes | Yes | $27611.11 | $30216.03 |  | 6.744% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15055.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $27611.11 |  | X | $9424.04 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $126539.09 | 26.850% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 173.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400416 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7481.00 | $2024.62 |  | 7.779% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33247.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 4506-C (for Business) - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7481.00 |  | X | $500.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $300790.69 | 66.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400417 |  |  |  | N/A |  |  |  | Yes | Yes | $7417.04 | $9351.28 |  | 7.673% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10836.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7417.04 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $206187.23 | 58.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 54.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400418 |  |  |  | N/A |  |  |  | Yes | Yes | $9715.00 | $4851.99 |  | 8.175% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6420.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9715.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $213190.83 | 30.020% | No |  | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.94 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400419 |  |  |  | N/A |  |  |  | Yes | Yes | $9653.94 | $2993.76 |  | 7.907% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39179.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9653.94 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400420 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6064.00 | $7377.37 |  | 8.118% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10988.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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 - 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 | [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 |  |  |  | $6064.00 |  | X | $0.00 | 3.7 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $807969.61 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 288.31 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400421 |  |  |  | N/A |  |  |  | Yes | Yes | $6560.00 | $1945.25 |  | 7.767% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3664.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $6560.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $202882.02 | 49.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400422 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8772.44 | $12822.45 |  | 8.277% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $4741.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [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 |  |  |  | $8772.44 |  | X | $7070.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $82210.50 | 23.190% | 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 |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 13.88 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400423 |  |  |  | N/A |  |  |  | Yes | Yes | $5000.00 | $6178.07 |  | 8.213% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39932.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - S-Corp (>= 25%)]; Third Party Verification - 2025<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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5000.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $504818.59 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 163 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400424 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14355.00 | $5563.29 |  | 7.550% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14859.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [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 |  |  |  | $14355.00 |  | X | $5000.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $240242.43 | 26.250% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400425 |  |  |  | N/A |  |  |  | Yes | Yes | $7615.00 | $2816.18 |  | 7.912% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10813.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7615.00 |  | X | $2500.00 | 1.9 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $169887.40 | 45.910% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400426 |  |  |  | N/A |  |  |  | Yes | Yes | $15617.72 | $800.00 |  | 7.716% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $2406.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $15617.72 |  | X | $10494.95 | 1.6 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $150496.00 | 27.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 11.4 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400427 |  |  |  | N/A |  |  |  | Yes | Yes | $9025.00 | $11899.97 |  | 8.185% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $20642.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $9025.00 |  | X | $0.00 | 1.8 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $10000.00 | 2.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 46.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400428 |  |  |  | N/A |  |  |  | Yes | Yes | $3294.63 | $7365.78 |  | 7.514% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $13309.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3294.63 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $195901.85 | 38.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 22.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400429 |  |  |  | N/A |  |  |  | Yes | Yes | $1645.64 | $2888.78 |  | 6.549% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9533.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1645.64 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400430 |  |  |  | N/A |  |  |  | Yes | Yes | $8035.00 | $4635.95 |  | 8.107% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25759.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [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 |  |  |  | $8035.00 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $348546.71 | 61.140% | No |  | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.95 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400431 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8595.00 | $9718.91 |  | 7.347% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12138.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025 | [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 |  |  |  | $8595.00 |  | X | $8000.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $68426.51 | 15.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.77 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400432 |  |  |  | N/A |  |  |  | Yes | Yes | $7634.86 | $9106.02 |  | 7.627% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2818.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7634.86 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $225544.29 | 49.030% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.75 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400433 |  |  |  | N/A |  |  |  | Yes | Yes | $12798.92 | $5967.43 |  | 8.007% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7803.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $12798.92 |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $400734.82 | 70.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400434 |  |  |  | N/A |  |  |  | Yes | Yes | $5980.61 | $8285.63 |  | 7.513% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8112.36 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $5980.61 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $83673.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400435 |  |  |  | N/A |  |  |  | Yes | Yes | $22602.60 | $9465.04 |  | 7.626% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8868.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22602.60 |  | X | $10000.00 | 2.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $296043.89 | 30.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400436 |  |  |  | N/A |  |  |  | Yes | Yes | $7211.00 | $3700.95 |  | 8.257% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7071.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [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%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; W-2 - 2023<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) - 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]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7211.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $498982.20 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 149.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400437 |  |  |  | N/A |  |  |  | Yes | Yes | $1655.02 | $3958.63 |  | 6.712% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32027.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1655.02 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400438 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9855.09 | $1195.00 |  | 6.887% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24224.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9855.09 |  | X | $21418.71 | 4 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 40.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400439 |  |  |  | N/A |  |  |  | Yes | Yes | $17315.00 | $19006.22 |  | 7.360% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21786.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [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 |  |  |  | $17315.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $489472.58 | 75.300% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400440 |  |  |  | N/A |  |  |  | Yes | Yes | $9000.22 | $13371.80 |  | 7.685% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12659.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9000.22 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400441 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9784.74 | $12958.51 |  | 8.537% | X | X | X | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | [Redacted] |  |  |  | $23490.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<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]; Employer Letter - 2019<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 - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [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]; 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 |  |  |  | $9784.74 |  | X | $19000.00 | 3.9 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $38123.54 | 6.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA |  |  |  |  | 17.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400442 |  |  |  | N/A |  |  |  | Yes | Yes | $11038.68 | $13309.84 |  | 7.200% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11184.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11038.68 |  | X | $0.00 | 2.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $227345.39 | 29.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400443 |  |  |  | N/A |  |  |  | Yes | Yes | $13795.13 | $8464.11 |  | 8.379% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $3798.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; 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 |  |  |  | $13795.13 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $25682.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 7.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400444 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7994.86 | $9821.96 |  | 6.890% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4292.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| 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 | [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 |  |  |  | $7994.86 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $124318.73 | 27.620% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.29 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400445 |  |  |  | N/A |  |  |  | Yes | Yes | $12816.16 | $14386.56 |  | 6.827% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12726.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12816.16 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $379770.69 | 44.410% | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.94 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400446 |  |  |  | N/A |  |  |  | Yes | Yes | $10488.76 | $5270.08 |  | 7.307% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6632.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 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]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10488.76 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $142751.30 | 39.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400447 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10727.59 | $3809.08 |  | 8.070% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13258.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $10727.59 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $186499.21 | 33.900% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400448 |  |  |  | N/A |  |  |  | Yes | Yes | $12467.00 | $3715.43 |  | 8.066% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7466.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12467.00 |  | X | $4000.00 | 4 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $479938.80 | 95.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400449 |  |  |  | N/A |  |  |  | Yes | Yes | $6695.00 | $9961.03 |  | 7.903% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $5627.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $6695.00 |  | X | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $230707.50 | 41.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 27.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400450 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $13754.48 | $8381.75 |  | 8.424% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19757.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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<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 |  |  |  | $13754.48 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $126394.55 | 23.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400451 |  |  |  | N/A |  |  |  | Yes | Yes | $8624.00 | $3304.72 |  | 7.746% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10553.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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]; 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 |  |  |  | $8624.00 |  | X | $3000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $521772.70 | 100.000% | No | 48 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 155.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400452 |  |  |  | N/A |  |  |  | Yes | Yes | $22590.56 | $14285.87 |  | 7.618% | X | X | X | No | No | Employed | Not Employed | Employed | Employed | 9.7 | 10.64 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $19843.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-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]; VVOE - 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]; 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 - 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]; 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22590.56 |  | X | $10000.00 | 4.1 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $287883.37 | 28.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 7.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400453 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13195.00 | $4580.73 |  | 7.937% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18359.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 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 - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 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 - 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) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-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<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13195.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400454 |  |  |  | N/A |  |  |  | Yes | Yes | $9214.00 | $10667.82 |  | 6.824% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2712.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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 |  |  |  | $9214.00 |  | X | $1500.00 | 1.5 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $109387.13 | 29.160% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400455 |  |  |  | N/A |  |  |  | Yes | Yes | $12308.20 | $9125.40 |  | 7.692% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26095.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; Balance Sheet - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12308.20 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 257.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400456 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11391.63 | $23434.77 |  | 6.618% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48936.68 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Tax Return Extension (for Business) - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11391.63 |  | X | $2000.00 | 3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $7148.48 | 1.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400457 |  |  |  | N/A |  |  |  | Yes | Yes | $5038.84 | $6454.93 |  | 7.494% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3921.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 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 |  |  |  | $5038.84 |  | X | $0.00 | 1.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $111820.18 |  | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400458 |  |  |  | N/A |  |  |  | Yes | Yes | $10967.29 | $11940.41 |  | 7.863% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6529.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 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 |  |  |  | $10967.29 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $343107.86 | 79.810% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 73.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400459 |  |  |  | N/A |  |  |  | Yes | Yes | $13429.33 | $5030.02 |  | 7.932% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9458.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; 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]; 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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13429.33 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $61725.11 | 10.640% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400460 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7195.50 | $11244.28 |  | 6.667% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9468.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - 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]; The Work Number - Employment Only - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7195.50 |  | X | $15990.00 | 4.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $125739.05 | 23.590% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400461 |  |  |  | N/A |  |  |  | Yes | Yes | $8960.00 | $12921.48 |  | 7.618% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6640.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8960.00 |  | X | $6762.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $254534.93 | 45.450% | 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 |  |  |  |  |  |  |  |  |  |  |  | 37.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400462 |  |  |  | N/A |  |  |  | Yes | Yes | $7391.07 | $2754.12 |  | 7.910% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9446.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7391.07 |  | X | $7500.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $167471.49 | 44.650% | 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 |  |  |  |  |  |  |  |  |  |  |  | 38.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400463 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8800.00 | $11563.43 |  | 7.939% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8098.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $8800.00 |  | X | $0.00 | 2.4 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $118395.05 | 29.590% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.69 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400464 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9900.00 | $4735.78 |  | 7.956% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16406.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9900.00 |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $152995.20 | 33.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400465 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10795.00 | $16569.87 |  | 7.973% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13942.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10795.00 |  | X | $1153.08 | 999 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $169712.55 | 21.750% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | 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 |  |  |  |  |  |  |  |  |  |  |  | 2.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400466 |  |  |  | N/A |  |  |  | Yes | Yes | $7419.00 | $4182.32 |  | 8.069% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37593.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; 1040-ES - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7419.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $275653.64 | 70.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400467 |  |  |  | N/A |  |  |  | Yes | Yes | $15775.81 | $8413.76 |  | 7.970% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17763.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15775.81 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $567726.98 | 75.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400468 |  |  |  | N/A |  |  |  | Yes | Yes | $8059.00 | $4996.78 |  | 8.098% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16314.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8059.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $299896.19 | 69.900% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 199.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400469 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6420.85 | $9521.34 |  | 7.676% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11551.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6420.85 |  | X | $7960.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $169972.57 | 42.700% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400470 |  |  |  | N/A |  |  |  | Yes | Yes | $7051.00 | $6543.87 |  | 7.629% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10631.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7051.00 |  | X | $950.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $151191.76 | 30.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400471 |  |  |  | N/A |  |  |  | Yes | Yes | $8092.00 | $2290.95 |  | 7.830% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7860.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8092.00 |  | X | $7500.00 | 1.3 | DU |  | ApproveEligible | No | No | X | 1 |  | 2 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $473016.72 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400472 |  |  |  | N/A |  |  |  | Yes | Yes | $19583.33 | $8819.18 |  | 7.165% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13233.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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> [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]; Account Transcripts - 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]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 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]; Tax Return Extension - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19583.33 |  | X | $10000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $234960.62 | 46.520% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400473 |  |  |  | N/A |  |  |  | Yes | Yes | $6348.12 | $9637.40 |  | 7.753% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12931.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6348.12 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123206.69 | 28.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400474 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7313.71 | $10894.22 |  | 7.555% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9673.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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 | [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 |  |  |  | $7313.71 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $622574.46 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400475 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9003.64 | $11567.59 |  | 7.172% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12939.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $9003.64 |  | X | $0.00 | 3.8 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $179310.59 | 36.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400476 |  |  |  | N/A |  |  |  | Yes | Yes | $15592.50 | $5615.73 |  | 7.881% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5456.08 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $15592.50 |  | X | $10200.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $186939.36 | 36.650% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400477 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10465.00 | $5132.49 |  | 8.092% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6398.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 |  |  |  | $10465.00 |  | X | $10000.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $115359.90 | 22.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400478 |  |  |  | N/A |  |  |  | Yes | Yes | $2880.00 | $2054.41 |  | 7.560% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12018.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $2880.00 |  | X | $7000.00 | 2.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $153552.72 | 42.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 29.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400479 |  |  |  | N/A |  |  |  | Yes | Yes | $7749.00 | $13124.67 |  | 7.513% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17304.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; 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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7749.00 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | X | $323711.52 | 37.590% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400480 |  |  |  | N/A |  |  |  | Yes | Yes | $10699.29 | $7870.67 |  | 7.160% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26596.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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]; W-2 - 2024<br> [Coborrower(s) - \| Non-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 |  |  |  | $10699.29 |  | X | $9700.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $159455.91 | 32.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400481 |  |  |  | N/A |  |  |  | Yes | Yes | $6495.00 | $4591.65 |  | 7.987% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9284.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-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 |  |  |  | $6495.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $107667.41 | 26.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400482 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4434.89 | $7632.59 |  | 8.380% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5986.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $4434.89 |  | X | $10000.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $7488.73 | 2.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.95 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400483 |  |  |  | N/A |  |  |  | Yes | Yes | $5200.00 | $11308.27 |  | 7.807% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13187.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $5200.00 |  | X | $10000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $186800.00 | 28.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400484 |  |  |  | N/A |  |  |  | Yes | Yes | $12445.00 | $4007.06 |  | 7.937% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30513.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 |  |  |  | $12445.00 |  | X | $8000.00 | 2.3 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $194386.46 | 31.100% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400485 |  |  |  | N/A |  |  |  | Yes | Yes | $10263.80 | $6278.25 |  | 8.092% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11111.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 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%)]; 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 - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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) | 1yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10263.80 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400486 |  |  |  | N/A |  |  |  | Yes | Yes | $23073.60 | $27829.86 |  | 7.212% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13027.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2023<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%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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 - Employment Only - 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]; 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 |  |  |  | $23073.60 |  | X | $0.00 | 1.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $481818.15 | 50.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400487 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13184.55 | $11085.35 |  | 7.883% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22851.33 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $13184.55 |  | X | $0.00 | 4 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $112775.15 | 15.970% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400488 |  |  |  | N/A |  |  |  | Yes | Yes | $6674.24 | $9694.79 |  | 7.569% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12131.31 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| 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%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; Other - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; 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]; 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6674.24 |  | X | $10660.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 3 | 1 | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $27272.13 | 5.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400489 |  |  |  | N/A |  |  |  | Yes | Yes | $14195.00 | $17820.59 |  | 7.679% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34531.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14195.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $268069.08 | 41.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400490 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4879.65 | $7197.68 |  | 8.617% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9177.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4879.65 |  | X | $5000.00 | 1.4 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400491 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7513.65 | $9450.32 |  | 7.410% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4646.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7513.65 |  | X | $12000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $78245.42 | 19.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.81 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400492 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7234.85 | $6197.93 |  | 7.882% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17101.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 |  |  |  | $7234.85 |  | X | $5700.00 | 2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $115339.34 | 23.780% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400493 |  |  |  | N/A |  |  |  | Yes | Yes | $10752.46 | $6725.38 |  | 7.646% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10120.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10752.46 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $128971.07 | 28.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400494 |  |  |  | N/A |  |  |  | Yes | Yes | $8960.80 | $10957.17 |  | 7.267% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4536.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8960.80 |  | X | $6555.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $92564.74 | 21.180% | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.66 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400495 |  |  |  | N/A |  |  |  | Yes | Yes | $15399.00 | $10124.55 |  | 7.417% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11763.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 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]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15399.00 |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $155146.01 | 41.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400496 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15595.00 | $5353.62 |  | 8.014% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14112.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $15595.00 |  | X | $0.00 | 5 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $552151.04 | 69.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400497 |  |  |  | N/A |  |  |  | Yes | Yes | $15615.00 | $5807.05 |  | 7.949% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10219.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15615.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 1 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $173132.72 | 19.900% | 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 |  |  |  |  |  |  |  |  |  |  |  | 28.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400498 |  |  |  | N/A |  |  |  | Yes | Yes | $9042.00 | $11278.46 |  | 7.960% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9228.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9042.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | X | $65121.68 | 16.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400499 |  |  |  | N/A |  |  |  | Yes | Yes | $9884.29 | $14586.64 |  | 7.155% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9694.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9884.29 |  | X | $18780.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $238041.56 | 25.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400500 |  |  |  | N/A |  |  |  | Yes | Yes | $32069.78 | $36696.39 |  | 6.958% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $59078.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 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 |  |  |  | $32069.78 |  | X | $19700.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $423624.15 | 43.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 25.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400501 |  |  |  | N/A |  |  |  | Yes | Yes | $1642.00 | $3196.11 |  | 8.714% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4887.06 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1642.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $50139.04 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.9 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400502 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5407.50 | $8662.68 |  | 7.157% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7229.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5407.50 |  | X | $6000.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $201955.33 | 37.740% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.58 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400503 |  |  |  | N/A |  |  |  | Yes | Yes | $1970.44 | $4066.15 |  | 7.608% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9520.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $1970.44 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $144410.16 | 31.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.57 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400504 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3090.00 | $6456.11 |  | 8.219% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11962.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3090.00 |  | X | $2000.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $282136.10 | 49.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.89 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400505 |  |  |  | N/A |  |  |  | Yes | Yes | $3450.00 | $6193.72 |  | 7.812% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16413.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $3450.00 |  | X | ($9000.00) | 1 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $134999.31 | 29.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.39 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400506 |  |  |  | N/A |  |  |  | Yes | Yes | $2339.00 | $4145.82 |  | 7.065% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13482.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2339.00 |  | X | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $214360.76 | 40.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.62 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400507 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6895.00 | $9246.06 |  | 8.055% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31760.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<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]; 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 - 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 |  |  |  | $6895.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $197107.85 | 36.500% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.17 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400508 |  |  |  | N/A |  |  |  | Yes | Yes | $2040.00 | $4242.04 |  | 8.086% | X | X | X | No | No | Employed | Non-Employment Income | Non-Employment Income | Employed | 0 | 7.47 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $41586.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| 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<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 |  |  |  | $2040.00 |  | X | $9326.78 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $156389.91 | 32.810% | No | 25 |  |  | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 18.81 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400509 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $11320.00 | $12765.34 |  | 8.253% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9379.31 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11320.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $101241.38 | 22.490% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.93 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400510 |  |  |  | N/A |  |  |  | Yes | Yes | $13267.23 | $19906.71 |  | 7.082% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4053.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [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 |  |  |  | $13267.23 |  | X | $7998.00 | 3.5 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $152351.79 | 38.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.65 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400511 |  |  |  | N/A |  |  |  | Yes | Yes | $1495.00 | $2397.51 |  | 7.796% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11313.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1495.00 |  | X | $0.00 | 2.8 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $316053.92 | 47.880% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.29 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400512 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4602.50 | $5938.76 |  | 7.584% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22942.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; Tax Return Extension (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4602.50 |  | X | $0.00 | 2 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $202328.89 | 53.950% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.99 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400513 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $2998.66 |  | 7.573% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8944.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1790.00 |  | X | $0.00 | 2.8 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 4.35 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400514 |  |  |  | N/A |  |  |  | Yes | Yes | $2048.00 | $3196.72 |  | 7.796% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12082.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2048.00 |  | X | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $207207.17 | 49.330% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.56 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400515 |  |  |  | N/A |  |  |  | Yes | Yes | $4073.75 | $5692.79 |  | 7.429% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $52527.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| 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%)]; CPA Letter - 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%)]; Third Party Verification - 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%)]; 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%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 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]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4073.75 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $145853.15 | 35.570% | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.54 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400516 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5641.00 | $7176.01 |  | 8.114% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14044.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5641.00 |  | X | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $197712.14 | 28.280% | 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 |  |  |  |  |  |  |  |  |  |  |  | 10.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400517 |  |  |  | N/A |  |  |  | Yes | Yes | $1769.00 | $4158.38 |  | 7.980% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7082.45 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [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 |  |  |  | $1769.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $175395.74 | 32.090% | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.73 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400518 |  |  |  | N/A |  |  |  | Yes | Yes | $4744.00 | $5388.25 |  | 7.917% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $149334.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $4744.00 |  | X | $0.00 | 3.9 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $669006.82 | 100.000% | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 208.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400519 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9248.00 | $10700.67 |  | 8.502% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7698.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $9248.00 |  | X | $13000.00 | 2.3 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $142130.39 | 35.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.06 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400520 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $5215.00 | $7407.15 |  | 8.412% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20368.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5215.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $20104.76 | 6.180% | No | 27 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.59 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400521 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7590.00 | $13696.79 |  | 7.332% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8225.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [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 |  |  |  | $7590.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $211665.02 | 47.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.21 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400522 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8963.82 | $11750.29 |  | 8.489% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18788.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8963.82 |  | X | $0.00 | 999 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $234936.00 | 59.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.83 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400523 |  |  |  | N/A |  |  |  | Yes | Yes | $11424.80 | $14088.03 |  | 7.876% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9584.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 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 | [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 |  |  |  | $11424.80 |  | X | $7000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $298447.21 | 85.270% | No | 15 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.94 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400524 |  |  |  | N/A |  |  |  | Yes | Yes | $7075.00 | $9021.17 |  | 8.366% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13774.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7075.00 |  | X | $500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $150042.72 | 33.900% | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.52 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400525 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7957.50 | $9786.18 |  | 7.138% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6903.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Other - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2023<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Other - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Other - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7957.50 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $530700.79 | 62.070% | 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 Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.64 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400526 |  |  |  | N/A |  |  |  | Yes | Yes | $6818.12 | $10741.46 |  | 7.231% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12748.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6818.12 |  | X | $8000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $168883.10 | 32.790% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.72 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400527 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1650.00 | $4561.67 |  | 7.164% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14916.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| 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]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1650.00 |  | X | $5000.00 | 2.7 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $12798.00 | 2.000% | No |  | 26 |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.17 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400528 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16245.00 | $5574.02 |  | 7.878% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7700.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-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]; 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 |  |  |  | $4245.00 |  | X | $12000.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $70348.02 | 20.690% | No | 38 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.16 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400529 |  |  |  | N/A |  |  |  | Yes | Yes | $16624.04 | $18951.14 |  | 8.026% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21202.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16624.04 |  | X | $0.00 | 5 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $494518.51 | 83.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.79 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400530 |  |  |  | N/A |  |  |  | Yes | Yes | $5597.77 | $8336.51 |  | 8.140% | X | X | X | No | No | Self-Employed | Self-Employed | Self-Employed | Self-Employed | 6.94 | 2.65 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | US Citizen | US Citizen | [Redacted] | [Redacted] |  |  | $3942.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 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<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 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%)]; Third Party Verification - 2025<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 | [Borrower]; 1040 - 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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5597.77 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $46808.18 | 13.520% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | VISA | VISA |  |  |  | 7.16 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400531 |  |  |  | N/A |  |  |  | Yes | Yes | $7992.90 | $10406.21 |  | 7.755% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7192.06 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7992.90 |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $180088.34 | 38.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.02 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400532 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13320.60 | $2663.92 |  | 8.118% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13132.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2175.00 |  | X | $12900.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $30369.11 | 7.060% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400533 |  |  |  | N/A |  |  |  | Yes | Yes | $5520.00 | $8072.65 |  | 7.786% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24357.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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 |  |  |  | $5520.00 |  | X | $9000.00 | 2.9 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $361657.28 | 76.780% | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.34 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400534 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4984.38 | $8404.52 |  | 7.770% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2667.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [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 |  |  |  | $4984.38 |  | X | $6980.00 | 1 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $100392.37 | 28.760% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.96 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400535 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12358.30 | $14779.87 |  | 7.861% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11218.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12358.30 |  | X | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1010144.49 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.7 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400536 |  |  |  | N/A |  |  |  | Yes | Yes | $1990.00 | $6067.31 |  | 7.091% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28190.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1990.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1007626.04 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 212.17 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400537 |  |  |  | N/A |  |  |  | Yes | Yes | $2845.00 | $3793.98 |  | 7.349% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3451.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 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 - 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]; 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 |  |  |  | $2845.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $114666.41 | 22.480% | No |  | 27 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 26.01 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400538 |  |  |  | N/A |  |  |  | Yes | Yes | $10292.56 | $15530.57 |  | 7.335% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $6214.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $10292.56 |  | X | $0.00 | 2.7 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123521.69 | 22.870% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 24.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400539 |  |  |  | N/A |  |  |  | Yes | Yes | $8376.60 | $2227.58 |  | 7.573% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7363.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 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 |  |  |  | $8376.60 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $232069.09 | 64.460% | 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 |  |  |  |  |  |  |  |  |  |  |  | 46.67 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400540 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14740.00 | $19135.40 |  | 7.867% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29374.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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 |  |  |  | $14740.00 |  | X | $17500.00 | 4.8 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $150685.49 | 20.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400541 |  |  |  | N/A |  |  |  | Yes | Yes | $9269.00 | $11746.80 |  | 6.827% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8862.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9269.00 |  | X | $0.00 | 2 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $76714.47 | 12.270% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.06 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400542 |  |  |  | N/A |  |  |  | Yes | Yes | $4769.48 | $5934.04 |  | 7.286% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11611.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Transcripts - No Results Returned (for Business) - 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> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [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]; Tax Return Extension - 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]; Tax Return Extension - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4769.48 |  | X | $9100.00 | 1.7 | DU |  | ApproveEligible | Yes | No | X | 1 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $72878.83 | 16.010% | No |  | 27 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.1 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400543 |  |  |  | N/A |  |  |  | Yes | Yes | $2030.00 | $3658.69 |  | 7.974% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $475338.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; Account Transcripts - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2030.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $116028.29 | 27.690% | 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 |  |  |  |  |  |  |  |  |  |  |  | 10.62 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400544 |  |  |  | N/A |  |  |  | Yes | Yes | $1750.00 | $2567.95 |  | 7.152% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16641.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1750.00 |  | X | $0.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $544569.79 |  | No |  |  |  |  | Yes | Attorney Opinion | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 129.92 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400545 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7064.00 | $8694.14 |  | 7.501% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29932.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [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 |  |  |  | $7064.00 |  | X | $15000.00 | 1.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $733580.01 | 92.270% | No | 27 | 39 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 101.59 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400546 |  |  |  | N/A |  |  |  | Yes | Yes | $12714.48 | $14639.54 |  | 7.742% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $7586.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 4506-C (for Business) - 2023<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%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| 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]; 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12714.48 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $125927.53 | 35.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 13.1 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400547 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8241.12 | $12845.50 |  | 7.843% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36948.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8241.12 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $125112.87 | 16.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.97 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400548 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6538.32 | $7642.55 |  | 7.600% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22296.12 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6538.32 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $186096.68 | 31.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.95 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400549 |  |  |  | N/A |  |  |  | Yes | Yes | $3480.00 | $5127.54 |  | 7.895% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $4414.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Estimated Time of Separation (ETS) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 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 - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3480.00 |  | X | $7700.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $77931.60 | 20.240% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.34 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400550 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4635.00 | $4851.02 |  | 7.545% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7767.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $4635.00 |  | X | $15775.00 | 1.5 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $115803.74 | 22.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.41 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400551 |  |  |  | N/A |  |  |  | Yes | Yes | $3123.00 | $5717.23 |  | 7.591% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11111.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - 2023<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 |  |  |  | $3123.00 |  | X | $2000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $780209.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 236.79 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400552 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4978.85 | $5785.60 |  | 8.562% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11134.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 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]; 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 |  |  |  | $4978.85 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $91533.50 | 23.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.11 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400553 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2285.00 | $5926.04 |  | 8.057% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25728.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2285.00 |  | X | $3000.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $200197.66 | 30.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.57 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400554 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4695.00 | $6797.86 |  | 8.262% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $92720.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4695.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $151241.52 | 30.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.36 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400555 |  |  |  | N/A |  |  |  | Yes | Yes | $1700.00 | $5088.14 |  | 7.805% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17877.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 |  |  |  | $1700.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $223130.88 | 39.840% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.8 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400556 |  |  |  | N/A |  |  |  | Yes | Yes | $1195.00 | $3364.83 |  | 7.898% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7386.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1195.00 |  | X | $6000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $152387.88 | 29.190% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.76 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400557 |  |  |  | N/A |  |  |  | Yes | Yes | $1295.00 | $5065.49 |  | 7.738% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21315.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1295.00 |  | X | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400558 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5538.84 | $7224.57 |  | 6.695% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8547.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 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 |  |  |  | $5538.84 |  | X | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $11533.33 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.12 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400559 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7837.94 | $1685.80 |  | 7.045% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8784.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7837.94 |  | X | $14000.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $132810.20 | 31.100% | No |  | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.03 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400560 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $8189.32 | $11462.56 |  | 8.496% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42256.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8189.32 |  | X | $18000.00 | 4.2 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $77190.59 | 19.100% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.38 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400561 |  |  |  | N/A |  |  |  | Yes | Yes | $6623.84 | $8491.04 |  | 7.762% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4956.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6623.84 |  | X | $1000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $106905.16 | 29.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.22 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400562 |  |  |  | N/A |  |  |  | Yes | Yes | $7590.00 | $10273.57 |  | 7.628% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12934.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 2024<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%)]; Tax Return Extension (for Business) - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7590.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $1049425.78 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 376.11 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400563 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2093.00 | $6655.13 |  | 7.787% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $71465.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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 - Partnership (>= 25%)]; 1040-ES - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2093.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $689520.85 | 70.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.6 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400564 |  |  |  | N/A |  |  |  | Yes | Yes | $1890.00 | $4653.25 |  | 7.859% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8914.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1890.00 |  | X | $2250.00 | 4.3 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $160042.27 | 40.010% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.74 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400565 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1940.00 | $8396.37 |  | 7.814% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6786.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $1940.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $484849.47 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.49 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400566 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1390.00 | $5351.70 |  | 7.907% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39849.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1390.00 |  | X | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $441441.97 | 55.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.96 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400567 |  |  |  | N/A |  |  |  | Yes | Yes | $5411.24 | $6336.08 |  | 7.791% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36768.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<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]; 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]; 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 |  |  |  | $5411.24 |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $425109.73 | 86.750% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.6 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400568 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $9192.75 | $12723.59 |  | 8.504% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $163161.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<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 - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Tax Return Extension (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 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9192.75 |  | X | $10000.00 | 2.5 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.8 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400569 |  |  |  | N/A |  |  |  | Yes | Yes | $8402.28 | $11027.50 |  | 7.820% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $4673.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Other - 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 |  |  |  | $8402.28 |  | X | $7765.36 | 2.6 | DU |  | ApproveEligible | No | No | X | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $125130.33 | 32.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.06 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400570 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10038.40 | $12417.31 |  | 8.038% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23005.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10038.40 |  | X | $4999.00 | 3.8 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1146254.50 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 315 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400571 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9610.00 | $13414.21 |  | 7.538% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30074.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9610.00 |  | X | $5000.00 | 2.3 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $180517.93 | 22.140% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 0.42 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400572 |  |  |  | N/A |  |  |  | Yes | Yes | $1995.00 | $8327.49 |  | 7.562% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17679.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 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 |  |  |  | $1995.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 2 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $751584.48 | 77.880% | 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 |  |  |  |  |  |  |  |  |  |  |  | 82.94 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400573 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1495.00 | $4272.17 |  | 7.961% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16940.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Paystubs - 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 |  |  |  | $1495.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $842887.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 254.85 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400574 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $13053.72 |  | 7.579% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7499.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 |  |  |  | $1790.00 |  | X | $12000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $301920.51 | 74.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.74 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400575 |  |  |  | N/A |  |  |  | Yes | Yes | $5990.00 | $13489.92 |  | 7.630% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18702.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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 |  |  |  | $5990.00 |  | X | $690.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $306545.90 | 54.250% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.07 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400576 |  |  |  | N/A |  |  |  | Yes | Yes | $1395.00 | $3885.02 |  | 7.690% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12678.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | X | $0.00 | 4.6 | DU |  | ApproveEligible | No | No | X | 1 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $287686.27 | 66.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.24 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400577 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2595.00 | $5096.57 |  | 7.717% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22357.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $2595.00 |  | X | $533.20 | 2.9 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $162254.25 | 32.840% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.49 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400578 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5880.02 | $7963.55 |  | 7.684% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9028.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 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]; 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 |  |  |  | $5880.02 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 | 1 | 2 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | X | $185492.11 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 61.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400579 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7851.67 | $4281.25 |  | 7.864% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10964.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7851.67 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $331233.10 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400580 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13007.50 | $18142.18 |  | 7.995% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11262.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<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 |  |  |  | $13007.50 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $55198.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400581 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1195.00 | $5314.82 |  | 8.052% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15434.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Military VOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Other - 2025<br> [Borrower - \| Non-Primary Income - Rations]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Other]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Other]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work 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]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1195.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $88724.97 |  | No | 0 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400582 |  |  |  | N/A |  |  |  | Yes | Yes | $9199.81 | $9890.51 |  | 7.698% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8138.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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 - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<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]; Transcripts (1040) - 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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 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 |  |  |  | $9199.81 |  | X | $7499.80 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $117576.78 | 31.350% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400583 |  |  |  | N/A |  |  |  | Yes | Yes | $10911.56 | $12003.85 |  | 7.854% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15079.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10911.56 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $237819.25 | 58.000% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400584 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $13477.96 | $15219.79 |  | 8.398% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13434.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; Business Return Transcripts - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; Business Return Transcripts - 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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13477.96 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 1 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $343080.63 | 58.340% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400585 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7437.01 | $11464.23 |  | 8.822% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7712.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 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 |  |  |  | $7437.01 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $34090.47 | 10.060% | No | 28 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400586 |  |  |  | N/A |  |  |  | Yes | Yes | $4873.00 | $5290.41 |  | 7.417% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14822.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4873.00 |  | X | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $289453.60 | 74.210% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 81.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400587 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7399.96 | $7923.48 |  | 7.668% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14009.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 |  |  |  | $7399.96 |  | X | $5000.00 | 4.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $179811.33 | 32.750% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400588 |  |  |  | N/A |  |  |  | Yes | Yes | $6320.96 | $7064.82 |  | 7.842% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10087.37 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 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]; 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 |  |  |  | $6320.96 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $2639364.56 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1153.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400589 |  |  |  | N/A |  |  |  | Yes | Yes | $7352.84 | $8823.64 |  | 7.804% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33760.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7352.84 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 3 | 1 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | X | $39740.12 | 11.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 161.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400590 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3430.00 | $4302.93 |  | 7.851% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8020.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3430.00 |  | X | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $491412.41 | 100.000% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 272.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400591 |  |  |  | N/A |  |  |  | Yes | Yes | $13723.00 | $14391.64 |  | 8.308% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59857.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13723.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $221190.88 | 36.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400592 |  |  |  | N/A |  |  |  | Yes | Yes | $8529.07 | $10238.68 |  | 8.283% | X | X | X | No | No | Non-Employment Income | Non-Employment Income | Employed |  | 4.64 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8997.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8529.07 |  | X | $9000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1467046.72 | 100.000% | No |  |  | 28 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 414.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400593 |  |  |  | N/A |  |  |  | Yes | Yes | $4958.00 | $6195.98 |  | 7.851% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6589.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $4958.00 |  | X | $1000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $97765.49 | 44.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 22.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400594 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7312.81 | $7737.38 |  | 7.184% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15535.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7312.81 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X |  |  | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400595 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12238.54 | $16313.04 |  | 6.342% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10279.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12238.54 |  | X | $12907.29 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  | 240 | No |  |  |  | X | $965507.92 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 255.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400596 |  |  |  | N/A |  |  |  | Yes | Yes | $10851.15 | $11483.08 |  | 7.575% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7846.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10851.15 |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | X | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $224194.54 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 78.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400597 |  |  |  | N/A |  |  |  | Yes | Yes | $3656.70 | $3874.24 |  | 7.692% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3858.11 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3656.70 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $13205.09 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400598 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5402.60 | $5354.62 |  | 7.663% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10655.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; Paystubs - 2023<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 - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [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]; 1040 - 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]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5402.60 |  | X | $8000.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $23676.03 | 6.140% | No | 18 | 4 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400599 |  |  |  | N/A |  |  |  | Yes | Yes | $4225.40 | $5126.26 |  | 7.650% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5609.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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> [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]; 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 |  |  |  | $4225.40 |  | X | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $321290.95 | 74.710% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400600 |  |  |  | N/A |  |  |  | Yes | Yes | $16123.00 | $17305.72 |  | 7.746% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33199.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [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 | [Borrower]; 4506-C - 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]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16123.00 |  | X | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $309479.19 | 52.010% | No | 28 | 1 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400601 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1643.00 | $3133.98 |  | 7.568% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12288.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $1643.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $261633.33 | 59.460% | No | 28 | 28 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400602 |  |  |  | N/A |  |  |  | Yes | Yes | $14858.96 | $16358.53 |  | 7.346% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7318.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14858.96 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $1031.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400603 |  |  |  | N/A |  |  |  | Yes | Yes | $2267.00 | $3562.74 |  | 7.492% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8639.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2267.00 |  | X | $5000.00 | 1.4 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $134407.05 | 35.840% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400604 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4469.84 | $7401.82 |  | 7.260% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4131.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4469.84 |  | X | $9960.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $23431.75 | 9.760% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400605 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3053.06 | $3375.44 |  | 7.548% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3258.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3053.06 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $120398.97 | 49.340% | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.23 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400606 |  |  |  | N/A |  |  |  | Yes | Yes | $4658.92 | $5197.42 |  | 7.448% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13513.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<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%)]; 1120S - 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]; 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 |  |  |  | $4658.92 |  | X | $1750.00 | 1.6 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $453293.75 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 188.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400607 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8512.49 | $11443.54 |  | 7.517% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14452.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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]; The Work Number - Employment Only - 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]; 1040 - 2024<br> [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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8512.49 |  | X | $0.00 | 4.6 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $423167.99 | 46.470% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400608 |  |  |  | N/A |  |  |  | Yes | Yes | $11868.22 | $12135.42 |  | 7.111% | X | X | X | No | No | Employed | Employed | Employed |  | 0.89 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $10386.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | 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]; 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; Paystubs - 2024<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11868.22 |  | X | $12553.70 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $228306.44 | 36.370% | No | 28 | 28 | 9 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 19.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400609 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $4364.00 | $5143.12 |  | 8.542% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $7230.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 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 |  |  |  | $4364.00 |  | X | $1000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $57510.78 | 26.620% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 15.84 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400610 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $563.72 |  | 7.375% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13601.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $57953.43 |  | No | 28 | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400611 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4334.88 | $5301.90 |  | 7.621% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11341.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4334.88 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $46722.20 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400612 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3679.59 | $3437.91 |  | 7.386% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4642.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2013<br> [Borrower - \| Non-Primary Income - Note Receivable]; Note - 2016<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<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]; 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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3679.59 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $25247.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400613 |  |  |  | N/A |  |  |  | Yes | Yes | $13439.56 | $9972.63 |  | 6.853% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4418.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13439.56 |  | X | $18257.54 | 2.4 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $306613.88 | 33.110% | No | 40 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400614 |  |  |  | N/A |  |  |  | Yes | Yes | $1707.44 | $2663.34 |  | 7.494% | X | X | X | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7990.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [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 |  |  |  | $1707.44 |  | X | $0.00 | 5 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $284332.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.56 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400615 |  |  |  | N/A |  |  |  | Yes | Yes | $10054.06 | $11443.15 |  | 6.129% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44028.54 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - 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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 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%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10054.06 |  | X | $0.00 |  | DU |  | ApproveEligible | No | No | X | 0 | 2 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400616 |  |  |  | N/A |  |  |  | Yes | Yes | $2304.52 | $4017.00 |  | 7.580% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3682.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - 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 - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 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) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 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 |  |  |  | $2304.52 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $77027.20 | 34.310% | No | 11 | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400617 |  |  |  | N/A |  |  |  | Yes | Yes | $1344.00 | $4774.36 |  | 7.449% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12036.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; The Work Number - Income - 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 |  |  |  | $1344.00 |  | X | $100.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $29457.45 | 10.520% | No | 12 | 12 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400618 |  |  |  | N/A |  |  |  | Yes | Yes | $2810.81 | $8017.06 |  | 6.814% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25684.00 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2810.81 |  | X | $13348.68 |  | LP / LPA |  | Accept/Eligible | No | No | X | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $4994342.07 | 100.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 449.74 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400619 |  |  |  | N/A |  |  |  | Yes | Yes | $4010.75 | $7739.91 |  | 7.053% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7999.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4010.75 |  | X | $500.00 | 2.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123259.08 | 42.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.13 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400620 |  |  |  | N/A |  |  |  | Yes | Yes | $19302.80 | $21348.85 |  | 6.884% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9190.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<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%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 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%)]; 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%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19302.80 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 1 | 0 | 3 | 1 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | X | $146316.03 | 28.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.46 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400621 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3886.73 | $3224.39 |  | 6.447% | X | X | X | No | No | Non-Employment Income | Non-Employment Income | Employed | Employed | 4.93 | 19.28 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $8697.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<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 - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3886.73 |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 3 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $278124.56 | 58.580% | No |  |  | 28 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 54.47 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400622 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7181.76 | $9800.39 |  | 7.259% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9142.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7181.76 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $111007.34 | 26.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.97 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400623 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1448.18 | $4245.10 |  | 6.559% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13775.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1448.18 |  | X | $154259.00 | 5 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $423676.02 | 68.660% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.79 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400624 |  |  |  | N/A |  |  |  | Yes | Yes | $2257.30 | $4365.56 |  | 6.648% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $22099.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; Paystubs - 2024 | [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]; 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 |  |  |  | $2257.30 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $624975.63 | 84.450% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Employment Authorization |  |  |  | 97.29 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400625 |  |  |  | N/A |  |  |  | Yes | Yes | $8821.88 | $10689.63 |  | 6.660% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $72176.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; Business Return Transcripts - 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%)]; Third Party Verification - 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%)]; Balance Sheet - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2008<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 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8821.88 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $717775.65 | 61.490% | No |  | 1 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 217.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400626 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7145.00 | $9989.60 |  | 7.519% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15308.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7145.00 |  | X | $0.00 | 3 | DU |  | ApproveEligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $85720.13 |  | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.82 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400627 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5920.64 | $7408.30 |  | 7.349% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5905.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5920.64 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $1525.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400628 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10869.44 | $7005.81 |  | 8.303% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5538.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $10869.44 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $181432.12 | 35.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.55 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400629 |  |  |  | N/A |  |  |  | Yes | Yes | $6195.00 | $8348.71 |  | 7.991% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6539.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6195.00 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $222871.55 | 35.650% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400630 |  |  |  | N/A |  |  |  | Yes | Yes | $14395.00 | $15594.70 |  | 7.694% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9248.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14395.00 |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $527272.93 | 100.000% | No |  | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 111.39 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400631 |  |  |  | N/A |  |  |  | Yes | Yes | $12677.44 | $19061.67 |  | 8.110% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6517.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12677.44 |  | X | $3795.00 | 4.2 | DU |  | ApproveEligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $309552.94 | 36.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.98 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400632 |  |  |  | N/A |  |  |  | Yes | Yes | $8743.32 | $10573.85 |  | 7.463% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8509.17 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; 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 - 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 |  |  |  | $8743.32 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $545097.54 | 100.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 192.66 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400633 |  |  |  | N/A |  |  |  | Yes | Yes | $7915.00 | $10401.66 |  | 8.075% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25382.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2024<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2021 | [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 |  |  |  | $7915.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1867333.96 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 429.7 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400634 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13695.01 | $16374.16 |  | 7.723% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20434.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 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 |  |  |  | $13695.01 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | X | $488582.64 | 52.810% | No | 4 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400635 |  |  |  | N/A |  |  |  | Yes | Yes | $14156.84 | $8626.86 |  | 8.104% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3149.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $14156.84 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $115231.50 | 27.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400636 |  |  |  | N/A |  |  |  | Yes | Yes | $6417.01 | $4898.96 |  | 7.992% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19688.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6417.01 |  | X | $1000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $222487.57 | 60.950% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400637 |  |  |  | N/A |  |  |  | Yes | Yes | $1220.00 | $1650.14 |  | 8.152% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17285.33 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Tax Return Extension (for Business) - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<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 - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 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%)]; Tax Return Extension (for Business) - 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<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1220.00 |  | X | $0.00 | 1.5 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 2 | 3 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $6734.86 | 0.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.18 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400638 |  |  |  | N/A |  |  |  | Yes | Yes | $4920.00 | $8179.67 |  | 7.986% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14945.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; The Work Number - Employment Only - 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 |  |  |  | $4920.00 |  | X | $2000.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $486639.75 | 79.120% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 81.31 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400639 |  |  |  | N/A |  |  |  | Yes | Yes | $9545.00 | $13305.77 |  | 7.816% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $45152.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [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%)]; Tax Return Extension (for Business) - 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> [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 - 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]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9545.00 |  | X | $3540.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $15000.00 | 3.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 16.49 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400640 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7201.58 | $5715.08 |  | 7.370% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15123.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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]; 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]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7201.58 |  | X | $7500.00 | 4.6 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $160708.00 | 34.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.27 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400641 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14263.00 | $16531.91 |  | 7.628% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $64441.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 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 |  |  |  | $14263.00 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $26522.68 | 3.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.73 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400642 |  |  |  | N/A |  |  |  | Yes | Yes | $7195.00 | $8928.37 |  | 7.269% | X | X | X | No | No | Employed | Not Employed | Employed |  | 4.29 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $6232.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7195.00 |  | X | $1000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $127033.49 | 33.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 15.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400643 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14128.10 | $2635.37 |  | 7.470% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9422.12 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $8500.00 |  | X | $13500.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $452919.89 | 100.000% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400644 |  |  |  | N/A |  |  |  | Yes | Yes | $10563.00 | $12794.67 |  | 7.302% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $89048.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10563.00 |  | X | $0.00 | 4 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $261136.90 | 51.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400645 |  |  |  | N/A |  |  |  | Yes | Yes | $5146.48 | $1822.00 |  | 7.628% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10004.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $5146.48 |  | X | $13077.63 | 2 | DU |  | ApproveEligible | No | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $15198.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.36 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400646 |  |  |  | N/A |  |  |  | Yes | Yes | $22063.52 | $10935.72 |  | 7.734% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13233.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22063.52 |  | X | $4000.00 | 3.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $418253.77 | 70.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400647 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1174.00 | $3529.42 |  | 7.453% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $12655.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $1174.00 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $8698.04 | 1.850% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 34.34 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400648 |  |  |  | N/A |  |  |  | Yes | Yes | $1890.00 | $3657.26 |  | 7.395% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24307.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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> [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 |  |  |  | $1890.00 |  | X | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $384670.72 | 42.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.21 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400649 |  |  |  | N/A |  |  |  | Yes | Yes | $9293.00 | $11525.45 |  | 7.223% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27876.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Account Statements - Business - 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 | [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 |  |  |  | $9293.00 |  | X | $5000.00 | 2.6 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $334929.92 | 61.450% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 92.61 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400650 |  |  |  | N/A |  |  |  | Yes | Yes | $10580.00 | $12479.07 |  | 6.909% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8719.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $10580.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $105337.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.79 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400651 |  |  |  | N/A |  |  |  | Yes | Yes | $6951.94 | $8605.51 |  | 7.198% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2788.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $6951.94 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $358857.50 | 72.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400652 |  |  |  | N/A |  |  |  | Yes | Yes | $21058.37 | $16808.42 |  | 7.200% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $11358.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 |  |  |  | $21058.37 |  | X | $1500.00 | 1.2 | DU |  | ApproveEligible | Yes | No | X | 1 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $201366.78 | 30.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 11.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400653 |  |  |  | N/A |  |  |  | Yes | Yes | $11417.17 | $5089.12 |  | 8.025% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2805.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $11417.17 |  | X | $3000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $225430.31 | 58.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400654 |  |  |  | N/A |  |  |  | Yes | Yes | $5917.00 | $9054.13 |  | 7.616% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $11267.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5917.00 |  | X | $7500.00 | 4.7 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $138579.27 | 32.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 15.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400655 |  |  |  | N/A |  |  |  | Yes | Yes | $13542.48 | $4579.41 |  | 7.969% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17171.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; Paystubs - 2024<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 |  |  |  | $13542.48 |  | X | $0.00 | 4.4 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $276312.66 | 47.230% | No |  | 16 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400656 |  |  |  | N/A |  |  |  | Yes | Yes | $7995.00 | $7469.35 |  | 8.177% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7824.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $7995.00 |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $227592.64 | 26.770% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.97 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400657 |  |  |  | N/A |  |  |  | Yes | Yes | $6483.80 | $9295.41 |  | 7.160% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4080.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 |  |  |  | $6483.80 |  | X | $1500.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $103732.00 | 18.860% | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.55 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400658 |  |  |  | N/A |  |  |  | Yes | Yes | $3599.00 | $6673.95 |  | 7.612% | X | X | X | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $8146.63 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; W-2 - 2024 | [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 |  |  |  | $3599.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $93999.81 |  | No | 40 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  | No | 6.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400659 |  |  |  | N/A |  |  |  | Yes | Yes | $5045.00 | $7597.45 |  | 7.615% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10906.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $5045.00 |  | X | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $144436.45 | 37.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.61 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400660 |  |  |  | N/A |  |  |  | Yes | Yes | $12345.05 | $14110.64 |  | 7.304% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6260.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $12345.05 |  | X | $0.00 | 3.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $374430.26 | 64.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.98 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400661 |  |  |  | N/A |  |  |  | Yes | Yes | $9717.34 | $4623.88 |  | 7.781% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15012.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  |  |  | $9717.34 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $35497.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400662 |  |  |  | N/A |  |  |  | Yes | Yes | $5995.00 | $3253.29 |  | 7.829% | X | X | X | No | No | Self-Employed | Employed | Employed |  | 9.22 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $39127.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | 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%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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<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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5995.00 |  | X | $4100.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $66793.23 | 16.690% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 10.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400663 |  |  |  | N/A |  |  |  | Yes | Yes | $15710.00 | $21137.48 |  | 7.373% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $65288.77 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - S-Corp (>= 25%)]; Account Statements - Business - 2025<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%)]; 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]; 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 |  |  |  | $15710.00 |  | X | $3000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $476639.30 | 48.630% | 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 |  |  |  |  |  |  |  |  |  |  |  | 49.78 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400664 |  |  |  | N/A |  |  |  | Yes | Yes | $13163.00 | $13245.90 |  | 8.191% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15694.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13163.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $192528.47 | 35.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.81 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400665 |  |  |  | N/A |  |  |  | Yes | Yes | $8635.00 | $3287.22 |  | 7.809% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12658.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8635.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $205189.57 | 44.120% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400666 |  |  |  | N/A |  |  |  | Yes | Yes | $5547.00 | $6085.13 |  | 7.271% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21790.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5547.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400667 |  |  |  | N/A |  |  |  | Yes | Yes | $8368.60 | $11582.95 |  | 7.751% | X | X | X | No | No | Employed | Self-Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $59881.22 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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]; 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 |  |  |  | $8368.60 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $25000.00 | 7.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 29.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400668 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5850.05 | $8704.56 |  | 7.158% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45058.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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> [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]; 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5850.05 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $168044.95 | 28.720% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400669 |  |  |  | N/A |  |  |  | Yes | Yes | $5216.00 | $6575.13 |  | 7.549% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15423.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $5216.00 |  | X | $6683.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $220903.28 | 33.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400670 |  |  |  | N/A |  |  |  | Yes | Yes | $7339.69 | $7008.99 |  | 7.204% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $6755.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 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]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7339.69 |  | X | $7460.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 2 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | X | $124097.75 | 33.270% | No |  | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 18.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400671 |  |  |  | N/A |  |  |  | Yes | Yes | $9361.00 | $14150.64 |  | 8.094% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19067.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9361.00 |  | X | $0.00 | 2.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $455835.23 | 55.790% | 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 |  |  |  |  |  |  |  |  |  |  |  | 70.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400672 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12618.00 | $8854.13 |  | 7.652% | X | X | X | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7491.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12618.00 |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1509674.45 | 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 |  |  |  |  |  |  |  |  |  |  |  | 293.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400673 |  |  |  | N/A |  |  |  | Yes | Yes | $2048.00 | $3944.68 |  | 8.032% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17400.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2048.00 |  | X | $0.00 | 4 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $342659.96 | 35.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.75 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400674 |  |  |  | N/A |  |  |  | Yes | Yes | $8995.00 | $2428.74 |  | 7.607% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20517.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $8995.00 |  | X | $1000.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $533480.38 | 100.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400675 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15209.60 | $11590.27 |  | 7.364% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14815.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $8800.00 |  | X | $10000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $1679303.99 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 531.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400676 |  |  |  | N/A |  |  |  | Yes | Yes | $8965.07 | $3163.40 |  | 7.838% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4868.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8965.07 |  | X | $8400.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123235.25 | 29.340% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400677 |  |  |  | N/A |  |  |  | Yes | Yes | $22587.00 | $27253.85 |  | 7.341% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14804.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [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]; The Work Number - Employment Only - 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 - 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 |  |  |  | $22587.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $279136.47 | 31.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400678 |  |  |  | N/A |  |  |  | Yes | Yes | $2485.00 | $4727.94 |  | 7.618% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15695.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 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]; 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 |  |  |  | $2485.00 |  | X | $0.00 | 3 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $135053.54 | 36.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.11 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400679 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11195.00 | $2348.91 |  | 7.539% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $79796.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2024<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11195.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 2 | 0 | 3 | 1 |  |  | 15.00 | No |  |  |  |  |  | No |  |  |  | X | $631608.25 | 70.250% | 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 |  |  |  |  |  |  |  |  |  |  |  | 82.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400680 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4215.00 | $3243.74 |  | 7.609% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16453.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $4215.00 |  | X | $10000.00 | 4.3 | DU |  | ApproveEligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $96110.68 | 26.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.05 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400681 |  |  |  | N/A |  |  |  | Yes | Yes | $3195.00 | $5048.33 |  | 7.612% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11487.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [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]; Account Transcripts - 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]; 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 |  |  |  | $3195.00 |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | X | 2 | 1 | 3 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $171605.47 | 37.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 21.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400682 |  |  |  | N/A |  |  |  | Yes | Yes | $8638.41 | $10739.72 |  | 7.607% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10062.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 - 2024<br> [Borrower - \| Non-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 |  |  |  | $8638.41 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $152810.38 | 39.690% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400683 |  |  |  | N/A |  |  |  | Yes | Yes | $6295.00 | $4633.53 |  | 7.991% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13001.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $6295.00 |  | X | $6000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $134385.44 | 31.620% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400684 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8289.00 | $9083.95 |  | 8.035% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19059.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<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 - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<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 | [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]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8289.00 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | X | $360000.00 | 48.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.57 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400685 |  |  |  | N/A |  |  |  | Yes | Yes | $3492.00 | $2209.88 |  | 8.017% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6611.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3492.00 |  | X | $10000.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $132556.26 | 26.510% | No | 21 | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400686 |  |  |  | N/A |  |  |  | Yes | Yes | $8455.00 | $11236.64 |  | 8.096% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $89038.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8455.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $562065.02 | 93.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 106.19 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400687 |  |  |  | N/A |  |  |  | Yes | Yes | $9271.96 | $5430.98 |  | 7.714% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43662.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9271.96 |  | X | $0.00 | 2.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $102728.68 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400688 |  |  |  | N/A |  |  |  | Yes | Yes | $2290.00 | $4776.54 |  | 7.524% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23964.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2290.00 |  | X | $6568.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $326494.55 | 39.570% | No | 21 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.71 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400689 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $3820.86 |  | 7.185% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11895.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1995.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.1 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400690 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5775.61 | $2359.78 |  | 7.301% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5870.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $5775.61 |  | X | $14000.00 | 3.1 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $249470.64 | 53.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.86 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400691 |  |  |  | N/A |  |  |  | Yes | Yes | $21449.00 | $19327.52 |  | 6.557% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15115.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $21449.00 |  | X | $9900.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $209658.54 | 42.350% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400692 |  |  |  | N/A |  |  |  | Yes | Yes | $8348.12 | $10854.84 |  | 7.741% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4871.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 |  |  |  | $8348.12 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $109586.82 | 28.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.93 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400693 |  |  |  | N/A |  |  |  | Yes | Yes | $22305.26 | $13063.60 |  | 8.076% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11220.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22305.26 |  | X | $10000.00 | 2.3 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $157167.12 | 18.850% | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400694 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4945.00 | $6109.20 |  | 7.117% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9592.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 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 |  |  |  | $4945.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $110468.75 | 17.670% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400695 |  |  |  | N/A |  |  |  | Yes | Yes | $16995.00 | $18342.10 |  | 7.636% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9041.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16995.00 |  | X | $10000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $478015.78 | 60.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400696 |  |  |  | N/A |  |  |  | Yes | Yes | $30436.59 | $13117.88 |  | 7.192% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9961.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 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 |  |  |  | $30436.59 |  | X | $13226.40 | 3.4 | DU |  | ApproveEligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $474322.45 | 71.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400697 |  |  |  | N/A |  |  |  | Yes | Yes | $14481.14 | $6829.58 |  | 7.609% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12785.93 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14481.14 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $372578.73 | 49.670% | No | 28 | 28 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400698 |  |  |  | N/A |  |  |  | Yes | Yes | $1395.00 | $2428.20 |  | 7.941% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12388.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Business Return Transcripts - 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%)]; 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]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | X | $0.00 | 3.6 | DU |  | ApproveEligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $201380.39 | 46.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.09 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400699 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3194.93 | $5086.05 |  | 6.983% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $10890.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 |  |  |  | $3194.93 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $140351.25 | 25.750% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 2.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400700 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8755.00 | $4501.60 |  | 7.525% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12903.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; 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 |  |  |  | $8755.00 |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $258293.12 | 40.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.2 | Broker | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400701 |  |  |  | N/A |  |  |  | Yes | Yes | $5419.63 | $4363.44 |  | 7.088% | X | X | X | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $14665.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $5419.63 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $297694.34 | 58.260% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 55.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400702 |  |  |  | N/A |  |  |  | Yes | Yes | $15622.30 | $6516.21 |  | 7.127% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8989.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; 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]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15622.30 |  | X | $8860.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400703 |  |  |  | N/A |  |  |  | Yes | Yes | $1350.00 | $2756.96 |  | 7.427% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5334.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 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 |  |  |  | $1350.00 |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $2749754.94 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 757.41 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400704 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7020.00 | $2471.47 |  | 7.928% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38296.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7020.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $204190.48 | 52.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400705 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7495.00 | $6811.26 |  | 7.059% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22341.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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> [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 |  |  |  | $7495.00 |  | X | $0.00 | 4.2 | DU |  | ApproveEligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | X | $505790.89 | 68.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.27 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400706 |  |  |  | N/A |  |  |  | Yes | No | $8692.68 | $2898.08 |  | 7.846% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22754.92 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $8692.68 |  | X | $0.00 | 1 | LP / LPA |  | Accept Plus | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $565314.16 | 100.000% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 204.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400707 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3760.00 | $4732.40 |  | 7.117% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7300.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3760.00 |  | X | $2000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | X | $455635.19 | 96.940% | 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 |  |  |  |  |  |  |  |  |  |  |  |  | 102.55 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400708 |  |  |  | N/A |  |  |  | Yes | Yes | $1484.84 | $1400.27 |  | 7.658% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40431.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; Third Party Verification - 2012<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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1484.84 |  | X | $5000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $470200.29 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.69 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400709 |  |  |  | N/A |  |  |  | Yes | Yes | $10960.60 | $5612.29 |  | 7.932% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7100.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  |  | $10960.60 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $166441.38 | 42.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400710 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8998.80 | $10631.04 |  | 7.152% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10067.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8998.80 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $202253.93 | 26.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400711 |  |  |  | N/A |  |  |  | Yes | Yes | $12883.02 | $4189.40 |  | 7.699% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5919.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 |  |  |  | $12883.02 |  | X | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $198356.98 | 34.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400712 |  |  |  | N/A |  |  |  | Yes | Yes | $9705.00 | $12581.24 |  | 7.229% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4751.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-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 |  |  |  | $9705.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $155363.97 | 27.490% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.88 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400713 |  |  |  | N/A |  |  |  | Yes | Yes | $8313.61 | $3119.92 |  | 7.860% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7426.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 |  |  |  | $8313.61 |  | X | $0.00 | 2 | DU |  | ApproveEligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $243030.28 | 69.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400714 |  |  |  | N/A |  |  |  | Yes | Yes | $16605.83 | $9111.64 |  | 7.541% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10072.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  | $16605.83 |  | X | $2895.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $123498.54 | 31.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400715 |  |  |  | N/A |  |  |  | Yes | Yes | $15435.53 | $8504.03 |  | 8.046% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7232.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; P&L Statement - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15435.53 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | X | $6000.00 | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400716 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10795.00 | $4702.33 |  | 7.867% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19446.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $10795.00 |  | X | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $49767.73 | 10.360% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400717 |  |  |  | N/A |  |  |  | Yes | Yes | $11924.82 | $13288.27 |  | 7.357% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33283.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - S-Corp (>= 25%)]; CPA Letter - 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%)]; 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%)]; 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 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11924.82 |  | X | $9300.00 | 2.6 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $451382.60 | 97.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400718 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9603.10 | $11850.22 |  | 7.430% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23522.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  | $9603.10 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $178016.18 | 42.890% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400719 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5435.00 | $6213.52 |  | 7.379% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6728.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5435.00 |  | X | $0.00 | 3.8 | DU |  | ApproveEligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | X | $124729.10 | 23.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400720 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.598% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5176.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $14111.05 |  | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.77 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400721 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.314% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1811.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $77735.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.84 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400722 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.578% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19712.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400723 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.460% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4784.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $15090.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.41 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400724 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.493% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4308.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $44250.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400725 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.719% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7042.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $47256.50 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400726 |  |  |  | N/A |  |  |  | Yes | Yes | $2306.25 | $241.85 |  | 7.755% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7513.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2306.25 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $141490.32 |  | No | 19 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400727 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.115% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12991.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $13322.83 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.91 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400728 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.948% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4071.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $69284.94 |  | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400729 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.353% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3272.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $202420.57 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 157.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400730 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.959% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4540.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $74505.47 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400731 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.958% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13042.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $207382.59 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 136.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400732 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.561% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7374.36 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $174314.90 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 125.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400733 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.198% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3912.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $39920.24 |  | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400734 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12105.00 | $13181.79 |  | 7.155% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13637.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $12105.00 |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | X | $35118.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.91 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400735 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4000.00 | $4606.46 |  | 7.410% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13001.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4000.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $74063.62 | 21.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400736 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1800.00 | $1800.00 |  | 6.793% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23549.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1800.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $9226.77 | 1.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400737 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8275.13 | $269.28 |  | 7.127% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6520.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8275.13 |  | X | $20000.00 | 2.1 | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $144701.72 | 35.370% | No | 9 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400738 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9780.00 | $5698.50 |  | 7.381% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15005.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9780.00 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $310322.53 | 53.500% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.74 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400739 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5932.48 | $6763.35 |  | 7.548% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8552.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5932.48 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $95090.58 | 32.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.72 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400740 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10428.40 | $3360.84 |  | 7.040% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7764.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10428.40 |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $605142.72 | 76.110% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 94.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400741 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4941.10 | $3697.45 |  | 7.135% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12370.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - Disability]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Disability]; 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]; The Work Number - Employment Only - 2009 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $4941.10 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | X | $63569.96 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400742 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6012.58 | $954.98 |  | 7.275% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8210.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6012.58 |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $159325.00 | 35.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400743 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5203.60 | $7392.85 |  | 7.359% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4135.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5203.60 |  | X | $21000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $69968.09 | 29.770% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400744 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4982.30 | $6495.64 |  | 6.988% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8710.22 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4982.30 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | X | $317977.70 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 152.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400745 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4413.80 | $6080.83 |  | 7.403% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12770.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4413.80 |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $206406.36 | 37.520% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400746 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6634.69 | $4091.44 |  | 7.033% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11013.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6634.69 |  | X | $0.00 | 4.2 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $2425325.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 519.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400747 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7030.31 | $9618.26 |  | 7.116% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11993.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7030.31 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $141871.23 | 18.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400748 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2288.00 | $4975.67 |  | 7.175% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7914.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2288.00 |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $602527.25 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 266.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400749 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7502.50 | $13629.69 |  | 7.073% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28437.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7502.50 |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | No | No | X | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $788273.70 | 96.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400750 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.498% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8596.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $16804.73 |  | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400751 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.621% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10792.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $149568.56 | 42.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400752 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.613% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6912.05 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<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> [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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<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]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $301303.56 | 33.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400753 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.204% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14550.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 141.66 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400754 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.002% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18332.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $128782.12 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400755 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.449% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7355.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $198622.47 | 34.100% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400756 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.457% | X | X | X | No | No | Employed | Not Employed | Employed | Employed | 1.54 | 0.05 | Permanent Resident Alien | US Citizen | Permanent Resident Alien | US Citizen |  |  |  |  | $16519.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Partially Verified | 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]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 4.1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $303682.62 | 52.220% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Resident Alien Card |  | Resident Alien Card |  |  | 30.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400757 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.123% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3709.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $98062.76 | 34.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400758 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.190% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11207.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $58489.98 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 20.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400759 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.869% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21835.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2020 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $13780.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $2465124.12 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 556.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400760 |  |  |  | N/A |  |  |  | Yes | Yes | $1258.32 | $3939.75 |  | 6.699% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6893.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1258.32 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $171636.26 | 70.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400761 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.244% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5789.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $80584.74 | 33.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400762 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.246% | X | X | X | No | No | Not Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $25553.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $70296.58 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 21.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400763 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.726% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7573.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $108252.32 | 43.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400764 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.125% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10086.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $7500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $55114.93 | 14.690% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400765 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.984% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7041.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $366707.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.44 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400766 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.105% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3175.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $31404.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400767 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.105% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3175.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $31404.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400768 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.105% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3173.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $15498.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.43 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400769 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.248% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8998.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $17077.64 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400770 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5138.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $252494.93 |  | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 65.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400771 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.238% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6754.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $196449.82 | 49.110% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400772 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.705% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $3344.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $381412.13 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 126.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400773 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.979% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21229.12 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $888285.90 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 292.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400774 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.119% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12933.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 4.1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $108675.57 | 30.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400775 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15597.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<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]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 999 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $56121.85 |  | No | 27 | 13 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400776 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.941% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7438.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [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]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $143164.28 | 39.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 18.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400777 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.488% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11371.63 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $309319.85 | 38.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 17.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400778 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.222% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9521.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5060.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $180304.68 | 71.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400779 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.328% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6092.02 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $127528.68 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400780 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.109% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3284.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $256831.75 | 53.110% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.02 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400781 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.457% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3237.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $875.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $56241.46 | 12.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.82 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400782 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.979% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11425.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $31240.62 |  | No | 4 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400783 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.843% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5132.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 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]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $35684.42 | 7.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.71 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400784 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.979% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9907.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $500.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $128226.17 | 40.190% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400785 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.099% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13995.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $500.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $479460.00 | 100.000% | No | 27 |  |  |  | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 158.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400786 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.860% | X | X | X | No | No | Employed | Not Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $5823.24 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2100.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $234983.95 | 38.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 16.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400787 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.745% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15547.08 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $10000.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $323761.19 | 32.370% | No |  | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400788 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.748% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3371.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $91282.11 | 35.100% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.73 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400789 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5886.43 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5029.80 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $15656.45 | 6.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.7 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400790 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.847% | X | X | X | No | No | Employed | Employed | Employed |  | 2.46 |  | Permanent Resident Alien | US Citizen | US Citizen |  |  |  |  |  | $3555.11 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $373360.73 | 44.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | Resident Alien Card |  |  |  |  | 13.37 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400791 |  |  |  | N/A |  |  |  | Yes | Yes | $11151.26 | $6190.58 |  | 7.192% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6299.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 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%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11151.26 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $160971.52 | 42.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400792 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.196% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10626.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1850096.18 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 394.76 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400793 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21461.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<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%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $801894.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 334.04 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400794 |  |  |  | N/A |  |  |  | Yes | Yes | $4086.02 | $1888.04 |  | 7.072% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10331.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4086.02 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $497262.61 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 242.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400795 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.933% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31763.26 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $487229.04 | 52.480% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400796 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.498% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25362.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $165977.59 | 51.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.36 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400797 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.988% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5547.11 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $37415.56 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400798 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.246% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $8822.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $4208.71 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $143750.66 | 41.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 29.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400799 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 5.985% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14151.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $21452.80 |  | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400800 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.611% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15357.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Military VOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $70035.73 |  | No | 27 | 0 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400801 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.942% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44556.18 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $537978.29 | 88.220% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 110.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400802 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.094% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16722.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1000.00 | 2.4 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $568888.87 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 343.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400803 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.256% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4294.54 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $91445.00 | 30.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400804 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.074% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5220.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.54 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400805 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.975% | X | X | X | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $19103.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $216984.91 | 51.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | Employment Authorization |  |  |  | 32.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400806 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.965% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13383.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<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 - S-Corp (>= 25%)]; 1120S - 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%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2022<br> [Coborrower(s) - \| 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%)]; W-2 - 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%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $131640.98 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400807 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.581% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15385.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| 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%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $1311593.10 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 188.71 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400808 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.845% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $36353.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $239083.75 | 78.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 78.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400809 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.196% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14966.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3190.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $125672.42 | 39.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400810 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.248% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10639.09 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.17 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400811 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.942% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $20734.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $134567.81 | 45.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 20.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400812 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.954% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12705.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $287501.20 | 74.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 98.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400813 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.216% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2728.28 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $13800.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $179764.88 | 26.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400814 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.119% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15521.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $351495.86 | 53.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400815 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.703% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21800.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $644227.61 | 100.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 243.04 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400816 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.714% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12697.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $101288.95 | 35.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400817 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.248% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $81396.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $800.00 | 999 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $298824.07 | 30.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400818 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.933% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18568.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $352710.77 | 61.340% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 205.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400819 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.864% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9164.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $5000.00 | 0.970% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 243.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400820 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.944% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28814.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $603803.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 292.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400821 |  |  |  | N/A |  |  |  | Yes | Yes | $3160.58 | $1155.13 |  | 6.759% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17700.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3160.58 |  | X | $3500.00 | 3.5 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1291588.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 643.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400822 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.218% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30844.83 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.7 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $243914.61 | 37.230% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400823 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.819% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9538.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3000.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $117503.59 | 33.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400824 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.248% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11336.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $197348.31 | 66.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400825 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.080% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8691.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $336062.81 | 49.860% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.02 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400826 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.830% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9150.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $336088.82 | 86.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400827 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.218% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $54145.28 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $239082.18 | 21.250% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400828 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.218% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14497.02 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3700.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $135270.87 | 34.240% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400829 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.967% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14307.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  |  |  | X | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $328622.90 | 79.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.69 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400830 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.946% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2305.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $8712.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $141641.66 | 32.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400831 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.216% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23740.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $750467.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 270.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400832 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.599% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43964.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $262406.22 | 36.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.79 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400833 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.216% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17648.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1668009.11 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 277.34 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400834 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.462% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7241.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 4.2 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $288388.57 | 41.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.08 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400835 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.856% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12213.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $95995.81 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400836 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.856% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13017.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $95995.81 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400837 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.716% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11450.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1232693.47 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 266.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400838 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.582% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9505.76 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $140681.03 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.14 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400839 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.208% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3884.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400840 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.072% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2716.03 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $45717.61 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400841 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.096% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18222.06 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $2076885.16 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 130.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400842 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5124.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $138017.88 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400843 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.834% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7932.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<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]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $741864.64 | 63.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.87 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400844 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.967% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5584.17 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $138754.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400845 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.838% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20863.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<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<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1353513.03 | 100.000% | No |  | 16 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 212.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400846 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.210% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $16306.39 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $28841.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 6.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400847 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.741% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4419.95 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $24179.91 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400848 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.332% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14762.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $51503.47 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400849 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.212% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25403.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $185.00 | 4.3 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $242144.78 | 56.540% | No |  | 15 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400850 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.578% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12426.88 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $16132.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.58 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400851 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.117% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $9367.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $101822.52 | 22.130% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 15.13 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400852 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.334% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10937.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $34048.89 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400853 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.121% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $3847.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $94616.22 | 36.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 12.36 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400854 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.324% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $6639.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $107662.16 | 29.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.55 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400855 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.494% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3089.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $62180.03 | 28.130% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400856 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.334% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5393.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $122778.19 | 35.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400857 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.336% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15005.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $463781.01 | 100.000% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 109.29 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400858 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.935% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2362.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $165377.11 | 42.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.66 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400859 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.582% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4005.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $7640.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $129029.57 | 33.770% | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400860 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.445% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5571.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $177714.74 | 35.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400861 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.220% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25766.90 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $15000.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1068796.69 | 61.780% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400862 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.829% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12882.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5500.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $246060.35 | 87.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 98.68 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400863 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.578% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6626.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $17267.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400864 |  |  |  | N/A |  |  |  | Yes | Yes | $5375.99 | $2904.88 |  | 7.706% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21998.31 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5375.99 |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $35718.38 | 10.820% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400865 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.578% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8611.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $16851.47 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400866 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10388.34 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $751346.69 | 100.000% | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 201.58 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400867 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.586% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9984.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $15000.00 | 3.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.31 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400868 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.627% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4343.66 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $4175.05 | 1.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.96 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400869 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.445% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5951.72 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1670663.96 | 100.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 495.2 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400870 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.553% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2402.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $994.90 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $77109.55 | 25.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.41 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400871 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.456% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12618.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $155320.02 | 50.260% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.3 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400872 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.578% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8173.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $309098.95 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 135.23 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400873 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.200% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19653.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $201161.81 | 61.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 44.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400874 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.322% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10597.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Employer Letter - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<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) - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5600.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $298737.35 | 59.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400875 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.827% | X | X | X | No | No | Employed | Employed | Employed |  | 0.22 |  | Permanent Resident Alien | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $7065.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially 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]; 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<br> [Coborrower(s) - \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $10000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $147145.75 | 19.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  |  | 6.29 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400876 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.569% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23648.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $415139.60 | 34.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.8 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400877 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.712% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7028.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $20813.12 |  | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.92 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400878 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.593% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10613.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<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%)]; 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%)]; 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $103393.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.41 | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400879 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.629% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24397.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $669469.44 | 41.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400880 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.569% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13955.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $171973.73 | 52.910% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400881 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.090% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6050.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $71740.24 | 27.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.85 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400882 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6943.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $37721.54 | 9.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.27 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400883 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.254% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13201.68 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $443525.21 | 72.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400884 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.629% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4944.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | N/A | No | X | 3 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $42521.19 | 15.460% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400885 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.565% | X | X | X | No | No | Self-Employed | Employed | Employed |  | 5.72 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $11880.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [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 - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $9488.20 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $322436.91 | 64.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 55.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400886 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.941% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27044.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $120579.80 | 32.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400887 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.082% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12665.31 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $6000.00 | 3.1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $230984.13 | 41.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400888 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.196% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21098.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $203894.59 | 67.960% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400889 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5188.69 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $6750.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $97216.67 | 28.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.67 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400890 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.593% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $11408.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $85923.20 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400891 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.206% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10811.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $179384.51 | 53.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400892 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.567% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35181.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<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%)]; W-2 - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2500.00 | 2 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $213394.18 | 44.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400893 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.580% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9522.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $4500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $61057.86 | 20.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.87 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400894 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.580% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4616.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $20728.31 | 4.270% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400895 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.206% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3814.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $17600.52 | 3.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.93 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400896 |  |  |  | N/A |  |  |  | Yes | Yes | $4500.00 | $5587.50 |  | 7.760% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10956.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Disability]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4500.00 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $109907.52 | 45.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400897 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.948% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10695.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $250374.96 | 38.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400898 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.088% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13350.42 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3000.00 | 2.2 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $230172.90 | 36.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400899 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.210% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16596.69 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $126488.00 | 52.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400900 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.586% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $22108.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $145833.79 | 35.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.48 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400901 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.336% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $37972.82 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; Business License - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $620654.77 | 36.500% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 69.25 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400902 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.723% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33037.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $157711.10 | 22.690% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.11 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400903 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.571% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8779.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $184010.39 | 50.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.93 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400904 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.584% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8079.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $78954.91 | 21.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400905 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.332% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $25187.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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%)]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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) - \| 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<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]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 4.5 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $231171.40 | 25.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 10.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400906 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.956% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5456.53 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $162039.00 | 47.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400907 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.582% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5625.76 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $212932.67 | 39.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400908 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.834% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8825.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1500.00 | 1.4 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $250566.20 | 62.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.39 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400909 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.098% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $6172.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $144206.88 | 32.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 9.37 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400910 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.200% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3487.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 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 - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5800.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $284417.96 | 98.070% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 122.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400911 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.952% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55149.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $8400.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1093102.84 | 100.000% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 375.95 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400912 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.580% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12215.94 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $75387.77 | 16.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400913 |  |  |  | N/A |  |  |  | Yes | Yes | $4602.50 | $6011.34 |  | 7.740% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12001.12 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4602.50 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $57124.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400914 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.334% | X | X | X | No | No | Self-Employed | Not Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $25559.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [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 - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $160925.60 | 45.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 37.81 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400915 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.580% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10392.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $24188.54 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.71 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400916 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 8.005% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19964.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $587713.68 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 128.46 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400917 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.184% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5465.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $171094.35 | 46.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400918 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.344% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31105.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $0.00 | 0.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 65.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400919 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.967% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10808.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400920 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.344% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20281.31 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $696352.50 | 70.330% | No | 9 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400921 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.584% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11392.07 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $65184.60 | 13.440% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400922 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.462% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9903.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $200733.00 | 49.560% | No | 2 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400923 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.584% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7959.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.5 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $16090.96 |  | No | 28 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400924 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.220% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15476.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $38250.00 | 2.940% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400925 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.096% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3024.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3500.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $166865.24 | 38.620% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400926 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.956% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4742.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.54 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400927 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.595% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3918.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $4000.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $214416.76 | 40.840% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400928 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.961% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16943.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $4500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $86016.57 | 36.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.01 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400929 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4500.00 | $5076.37 |  | 7.904% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16085.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4500.00 |  | X | $0.00 | 5 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $38894.55 | 15.550% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400930 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7916.60 | $0.00 |  | 7.489% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15674.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7916.60 |  | X | $8625.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $148324.79 | 35.740% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400931 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9190.68 | $14849.78 |  | 8.145% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9374.71 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<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) - \| Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9190.68 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $207793.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400932 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6645.00 | $664.80 |  | 6.896% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $3416.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6645.00 |  | X | $10000.00 | 2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $107616.37 | 26.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 3.87 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400933 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7155.40 | $324.20 |  | 8.085% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7546.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7155.40 |  | X | $11600.00 | 3.1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $2786.35 | 0.810% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.98 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400934 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9000.00 | $10538.95 |  | 7.948% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16908.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9000.00 |  | X | $0.00 | 3.5 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $96416.30 | 24.720% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400935 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6809.56 | $8693.55 |  | 8.052% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4226.38 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6809.56 |  | X | $10878.23 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $44813.06 | 16.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.53 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400936 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2500.00 | $2457.64 |  | 7.755% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13325.58 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [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<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2500.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $77502.11 | 31.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400937 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18268.12 | $23227.47 |  | 6.996% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21862.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18268.12 |  | X | $0.00 | 2.7 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $40989.42 | 4.180% | No |  | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400938 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7256.59 | $14879.96 |  | 7.418% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2057.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7256.59 |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.1 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400939 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11384.00 | $14031.01 |  | 7.892% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14547.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11384.00 |  | X | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $939094.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 247.09 | Broker | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400940 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8550.00 | $3843.85 |  | 7.576% | X | X | X | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41182.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<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 - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8550.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $5000.00 | 1.110% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400941 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11872.94 | $8888.54 |  | 6.942% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57884.68 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11872.94 |  | X | $1250.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $1086464.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 138.15 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400942 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6958.20 | $4352.23 |  | 7.936% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8079.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6958.20 |  | X | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $268970.94 | 89.650% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400943 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6825.00 | $7167.43 |  | 7.435% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15711.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6825.00 |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $170813.02 | 37.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.33 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400944 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14616.92 | $14360.33 |  | 7.458% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9393.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<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 - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<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 - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14616.92 |  | X | $4000.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | X | 3 |  | 3 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $140915.75 | 18.810% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 236.22 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400945 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4126.00 | $215.00 |  | 7.490% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13667.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4126.00 |  | X | $15000.00 | 4.8 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $42000.00 | 11.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400946 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3640.34 | $962.85 |  | 7.135% | X | X | X | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $19143.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3640.34 |  | X | $3000.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $92020.12 | 38.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 14.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400947 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21087.61 | $2104.94 |  | 7.610% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20912.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21087.61 |  | X | $15000.00 | 4.2 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $213879.54 | 23.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.52 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400948 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13932.90 | $16608.96 |  | 8.146% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8015.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13932.90 |  | X | $0.00 | 3.4 | DU |  | ApproveEligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $58358.14 | 10.320% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.97 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400949 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4780.00 | $4937.35 |  | 7.892% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20810.74 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4780.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $264958.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400950 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9065.00 | $11049.24 |  | 8.093% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9660.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9065.00 |  | X | $30000.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $29863.56 | 7.650% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400951 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4537.58 | $7464.36 |  | 6.982% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12944.87 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4537.58 |  | X | $2500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $2773.73 | 0.750% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400952 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6000.00 | $7447.82 |  | 7.686% | X | X | X | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13223.59 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6000.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $630586.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 140.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400953 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3900.00 | $3514.05 |  | 7.226% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39961.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3900.00 |  | X | $0.00 | 4.6 | LP / LPA |  | Accept/Eligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $170379.97 | 32.760% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.5 |  | Yes | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400954 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10788.40 | $3739.19 |  | 7.417% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34106.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - 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%)]; W-2 - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10788.40 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.09 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400955 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6167.68 | $877.50 |  | 7.916% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4196.28 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6167.68 |  | X | $6138.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $3100.00 | 1.010% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400956 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4500.00 | $1231.89 |  | 7.640% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18241.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4500.00 |  | X | $400.00 | 1.2 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $6331.69 | 2.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.59 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400957 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2698.75 | $1532.25 |  | 7.015% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13848.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2698.75 |  | X | $2000.00 | 999 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $156718.44 | 41.240% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400958 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6365.92 | $9430.82 |  | 8.092% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14087.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6365.92 |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $90910.14 | 26.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.42 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400959 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4232.00 | $5766.14 |  | 7.351% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13552.65 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  | $4232.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $123187.24 | 23.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400960 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11674.37 | $0.00 |  | 7.090% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11896.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11674.37 |  | X | $20000.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $312320.68 | 36.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400961 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12195.00 | $13311.50 |  | 7.892% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9000.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12195.00 |  | X | $0.00 | 4.7 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $721417.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 147.97 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400962 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1350.00 | $2484.85 |  | 7.651% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21681.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - 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 - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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]; W-2 - 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%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1350.00 |  | X | $1000.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.71 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400963 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6300.00 | $7248.96 |  | 7.861% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7511.24 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6300.00 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $156511.74 | 44.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400964 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8531.25 | $9840.95 |  | 7.542% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10648.60 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8531.25 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $1338157.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 176.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400965 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10616.25 | $7292.42 |  | 7.166% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11602.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10616.25 |  | X | $1650.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $207150.25 | 41.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400966 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14171.63 | $10913.55 |  | 7.396% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13115.17 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14171.63 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $748903.13 | 78.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.78 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400967 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21547.00 | $5567.25 |  | 7.425% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44567.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21547.00 |  | X | $0.00 | 3.9 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $415729.14 | 38.140% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400968 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7578.00 | $9896.86 |  | 7.869% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $270122.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7578.00 |  | X | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $119801.66 | 28.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.19 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400969 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1350.00 | $5221.61 |  | 7.583% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4994.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1350.00 |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $425645.74 | 74.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 72.98 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400970 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3320.00 | $4806.15 |  | 7.388% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7647.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3320.00 |  | X | $0.00 | 2.5 | LP / LPA |  | Accept/Eligible | No | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $197115.56 | 49.270% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400971 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2512.50 | $3148.34 |  | 7.098% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18085.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2512.50 |  | X | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $181906.14 | 54.300% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400972 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3787.65 | $10968.20 |  | 7.194% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16410.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3787.65 |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $123771.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.96 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400973 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3631.25 | $5158.65 |  | 7.189% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24980.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3631.25 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $103477.02 | 30.650% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.91 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400974 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4309.00 | $5063.12 |  | 7.487% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10177.00 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  | $4309.00 |  | X | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X |  |  | No | 63 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400975 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4896.28 | $5296.52 |  | 7.534% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13376.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4896.28 |  | X | $0.00 | 3 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $209124.81 | 84.080% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 71.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400976 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8321.38 | $10576.06 |  | 7.026% | X | X | X | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5860.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 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<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8321.38 |  | X | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $362063.34 | 85.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400977 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6053.44 | $4323.80 |  | 7.648% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11137.96 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6053.44 |  | X | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $158434.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400978 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5087.06 | $6999.15 |  | 7.174% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34071.32 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5087.06 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $95414.44 | 19.270% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.5 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400979 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7240.00 | $8869.42 |  | 7.428% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8207.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7240.00 |  | X | $0.00 | 3.4 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $1704689.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 477.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400980 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12540.00 | $12540.00 |  | 7.851% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9725.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12540.00 |  | X | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $204480.44 | 30.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.18 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400981 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8862.05 | $2584.99 |  | 7.702% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27174.62 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8862.05 |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $214605.77 | 49.100% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.6 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400982 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.597% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $99079.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<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%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $967742.31 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 128.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400983 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.439% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20334.91 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<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 - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.8 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $153356.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400984 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.698% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13341.35 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $229144.53 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 116.91 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400985 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15816.74 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $103241.78 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.37 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400986 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.973% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15883.52 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $109082.20 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.64 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400987 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.567% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12942.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $142936.93 | 43.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.1 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400988 |  |  |  | N/A |  |  |  | Yes | Yes | $3565.60 | $807.37 |  | 6.913% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3002.51 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3565.60 |  | X | $5000.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $85734.52 | 34.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.07 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400989 |  |  |  | N/A |  |  |  | Yes | Yes | $3780.00 | $5781.37 |  | 7.668% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12173.10 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3780.00 |  | X | $0.00 | 3.9 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $223819.95 | 71.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400990 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 5.973% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3658.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $10000.00 | 2.5 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $298765.34 | 58.580% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.1 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400991 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.866% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13300.42 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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 - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $42638.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.84 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400992 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.980% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21615.50 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $166126.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.14 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400993 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.340% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19220.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $500046.78 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400994 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.244% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20192.29 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $444374.77 | 62.150% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400995 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.825% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7712.81 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 3 | 3 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $309493.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 104.21 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400996 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.353% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5760.85 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1800.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $150055.60 | 34.100% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400997 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.866% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4654.12 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $55914.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.23 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400998 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.210% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4970.21 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $30004.55 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV400999 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.224% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7991.18 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | X | 3 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $97898.25 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401000 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.853% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8959.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $57.20 | 1.8 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $152150.14 | 46.810% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401001 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.732% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24428.23 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $238392.44 | 55.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.46 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401002 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.603% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4246.45 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $31183.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.06 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401003 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.969% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17667.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $836294.92 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.26 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401004 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.984% | X | X | X | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50328.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 568.99 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401005 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.232% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12100.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.7 | LP / LPA |  | Accept/Eligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $191061.18 | 37.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.69 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401006 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.494% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8614.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $335954.88 | 47.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.4 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401007 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.730% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5860.61 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 3.9 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.44 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401008 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.967% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17487.37 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $155261.62 | 39.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.61 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401009 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.473% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18743.06 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.8 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $631387.50 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 145.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401010 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.246% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10225.04 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $49929.82 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.43 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401011 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.871% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27230.45 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $269907.49 | 67.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.29 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401012 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.494% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3934.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $34104.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401013 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.371% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16964.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $173913.44 | 59.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401014 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.443% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10712.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $363789.76 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.9 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401015 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.614% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3640.19 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $44806.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.18 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401016 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.246% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4248.61 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5671.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $86196.79 | 30.390% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.29 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401017 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.986% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1929.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.9 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $330101.87 | 55.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.52 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401018 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.854% | X | X | X | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12909.97 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $115181.58 | 32.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401019 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.982% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8760.20 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $312103.61 | 97.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401020 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.489% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7177.80 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.4 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $6712.81 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.45 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401021 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.354% | X | X | X | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7800.57 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $656771.40 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 151.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401022 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.853% | X | X | X | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17502.84 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 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]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $590828.49 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 201.25 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401023 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.858% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11944.99 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $52112.04 | 11.580% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.36 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401024 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.969% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7445.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.3 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $172844.29 | 48.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.22 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401025 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.858% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37716.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $578971.79 | 90.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 117.49 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401026 |  |  |  | N/A |  |  |  | Yes | Yes | $9170.00 | $404.05 |  | 7.627% | X | X | X | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18596.49 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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> [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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9170.00 |  | X | $3415.00 | 1.6 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $335611.22 | 53.690% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.35 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401027 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.496% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7918.98 | 3 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $68857.91 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.54 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401028 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.350% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5872.63 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $4000.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $130728.77 | 43.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.92 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401029 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.369% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6959.89 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3200.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $172491.30 | 48.040% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.56 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401030 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.441% | X | X | X | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15073.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $93544.36 | 28.780% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.7 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401031 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.240% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11820.46 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $120318.30 | 24.300% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.69 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401032 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.734% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14160.63 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $60967.92 |  | No | 4 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401033 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.481% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5296.54 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $122241.31 | 46.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.89 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401034 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.244% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36203.72 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $98371.76 | 15.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401035 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 5.855% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2188.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $138182.87 | 38.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401036 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.614% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4145.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $80984.41 | 23.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.42 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401037 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.937% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13558.79 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $117704.88 | 38.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.51 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401038 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.621% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56972.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $554196.70 | 82.100% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.16 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401039 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.986% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6968.56 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $98420.19 | 24.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.52 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401040 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.745% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7962.53 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $6980.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $227529.99 | 65.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401041 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.980% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2839.99 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 2 | LP / LPA |  | Accept/Eligible | No | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $283053.23 | 70.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401042 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.616% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11608.17 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $420638.71 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.08 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401043 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.496% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $6326.27 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1.1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $400316.51 | 96.460% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 94.05 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401044 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.441% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15105.05 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1500.00 | 2 | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1461370.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 204.92 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401045 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.563% | X | X | X | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12790.51 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1338069.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 355.39 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401046 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.821% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9644.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $296239.18 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.96 |  |  | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401047 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.629% | X | X | X | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5846.48 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1500.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $88891.24 | 26.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401048 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.115% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $68045.40 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $229938.31 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.62 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401049 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.356% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17082.67 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $5000.00 | 1.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.75 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401050 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.969% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8518.41 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $3000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $106924.69 | 29.290% | No | 29 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401051 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.746% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9756.85 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5400.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $281426.19 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.97 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401052 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.240% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15131.98 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.79 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401053 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.117% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15945.95 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $2450.00 | 2.7 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $431057.10 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 222.32 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401054 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.605% | X | X | X | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5276.34 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $233587.70 | 66.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  | 70.47 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401055 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 5.982% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7632.14 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $32068.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.66 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401056 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.502% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17734.13 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 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 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | X |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 151.26 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401057 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.877% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15700.52 | 4 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $222605.45 | 36.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.12 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401058 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.563% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6998.15 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | X | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $100353.32 | 40.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.65 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401059 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.698% | X | X | X | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1679.64 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $133276.07 | 39.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.38 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401060 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.605% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8944.16 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $5000.00 | 2.5 | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $509909.25 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 179.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401061 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.735% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5071.44 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $45530.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.83 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401062 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.498% | X | X | X | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13534.01 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1000.00 | 999 | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $208818.25 | 52.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.77 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401063 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.939% | X | X | X | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8800.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $137773.19 | 52.980% | No | 23 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.96 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401064 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.621% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30940.33 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | X | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $38415.79 | 14.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.94 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401065 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.371% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15568.47 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $1550.35 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $239489.88 | 60.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.63 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401066 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4136.02 | $0.00 |  | 6.847% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18949.55 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4136.02 |  | X | $9728.85 |  | DU | Yes | ApproveEligible | N/A | No | X | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X | $123469.38 | 39.820% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.14 | Retail | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401067 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5818.75 | $7087.90 |  | 7.884% | X | X | X | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4508.29 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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 - Farming]; 1040 - Schedule F - 2024<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5818.75 |  | X | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | X | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | X |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.34 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401068 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 6.963% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20863.95 | 2 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; The Work Number - Income - 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 |  | DU |  | ApproveEligible | N/A | No | X | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $258374.20 | 69.360% | No |  | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.86 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401069 |  |  |  | N/A |  |  |  | Yes | Yes | $0.00 | $0.00 |  | 7.105% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10681.12 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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 - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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%)]; W-2 - 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) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $9750.00 | 2.910% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  | 197.28 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401070 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.832% | X | X | X | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21413.78 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2022<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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | X | 1 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | X | $31802.10 | 3.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.81 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401071 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 7.584% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49219.73 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $2000.00 | 3.2 | DU |  | ApproveEligible | N/A | No | X | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $378790.71 | 28.050% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.24 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401072 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.616% | X | X | X | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11344.70 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $482547.51 | 70.440% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401073 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.314% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17203.25 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X |  |  | X | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | X | $1317490.06 | 100.000% | No | 26 | 8 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 318.01 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401074 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4910.89 | $5609.07 |  | 7.714% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18260.75 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $4910.89 |  | X | $9870.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC (June 2020) | Yes |  | X | $130610.99 | 40.000% | No | 23 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.55 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401075 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2850.00 | $4277.42 |  | 7.834% | X | X | X | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19280.30 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 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]; 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 |  |  | X | $2850.00 |  | X | $1000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC (June 2020) | Yes |  | X | $201392.37 | 35.330% | No | 25 | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.88 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401076 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1710.00 | $3066.50 |  | 7.436% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34172.53 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $1710.00 |  | X | $4000.00 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | X | $2030683.80 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 540.03 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401077 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4245.00 | $2434.52 |  | 6.587% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5007.90 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $4245.00 |  | X | $4401.97 | 1 | DU |  | ApproveEligible | N/A | No | X | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | X | $81258.02 | 25.790% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.83 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | GCATINV401078 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1495.00 | $3265.92 |  | 7.462% | X | X | X | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16592.86 | 1 | X | X | X | X |  |  |  |  |  | X | X | X | X | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | X | $1495.00 |  | X | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | X | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC (June 2020) | Yes |  | X | $263536.79 | 56.070% | No | 387 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.72 |  | No | No |  | X | X |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.6

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **SAMC ID** | **LMSID** | **FIELD** | **SAMC** | **TAPE** | **MATCH** |

---

---

| |
|:---|
| **Amortization Type** |
| **Appraisal Age** |
| **Appraisal Value at Origination** |
| **ATR Exempt** |
| **City** |
| **Documentation Type Place Holder** |
| **First Payment Date of Loan** |
| **First Rate Adjustment Date ARMs** |
| **Gross Margin** |
| **Index** |
| **Initial Interest Rate Cap Change Down** |
| **Initial Interest Rate Cap Change Up** |
| **Last Name** |
| **Lien Position** |
| **Lifetime Maximum Rate Ceiling** |
| **Lifetime Minimum Rate Floor** |
| **Loan Purpose** |
| **Mortgage Insurance** |
| **Mortgage Insurance Company Name** |
| **Mortgage Insurance Percent** |
| **Occupancy** |
| **Original Amortization Term** |
| **Original Interest Only Flag** |
| **Original Interest Rate** |
| **Original Loan Amount** |
| **Original PI** |
| **Original Property Valuation Date** |
| **Original Term to Maturity** |
| **Postal Code** |
| **Prepayment Penalty Flag Y N** |
| **Property Type** |
| **Rate Frequency** |
| **Sales Price** |
| **State** |
| **Subsequent Interest Rate Change Down** |
| **Subsequent Interest Rate Change Up** |
| **TILA Status Loan Designation** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Field Name** | **# of Variances** | **# Loans** | **% Variance** |
| Amortization Type | 0 | 1078 | 0.00% |
| Appraisal Age | 0 | 1078 | 0.00% |
| Appraisal Value at Origination | 0 | 1078 | 0.00% |
| ATR Exempt | 0 | 1078 | 0.00% |
| City | 0 | 1078 | 0.00% |
| Documentation Type | 0 | 1078 | 0.00% |
| First Payment Date of Loan | 0 | 1078 | 0.00% |
| First Rate Adjustment Date ARMs | 0 | 1078 | 0.00% |
| Gross Margin | 0 | 1078 | 0.00% |
| Index | 0 | 1078 | 0.00% |
| Initial Interest Rate Cap Change Down | 0 | 1078 | 0.00% |
| Initial Interest Rate Cap Change Up | 0 | 1078 | 0.00% |
| Last Name | 0 | 1078 | 0.00% |
| Lien Position | 0 | 1078 | 0.00% |
| Lifetime Maximum Rate Ceiling | 0 | 1078 | 0.00% |
| Lifetime Minimum Rate Floor | 0 | 1078 | 0.00% |
| Loan Purpose | 0 | 1078 | 0.00% |
| Mortgage Insurance | 0 | 1078 | 0.00% |
| Mortgage Insurance Company Name | 0 | 1078 | 0.00% |
| Mortgage Insurance Percent | 0 | 1078 | 0.00% |
| Occupancy | 0 | 1078 | 0.00% |
| Original Amortization Term | 0 | 1078 | 0.00% |
| Original Interest Only Flag | 0 | 1078 | 0.00% |
| Original Interest Rate | 0 | 1078 | 0.00% |
| Original Loan Amount | 0 | 1078 | 0.00% |
| Original PI | 0 | 1078 | 0.00% |
| Original Property Valuation Date | 0 | 1078 | 0.00% |
| Original Term to Maturity | 0 | 1078 | 0.00% |
| Postal Code | 0 | 1078 | 0.00% |
| Prepayment Penalty Flag Y N | 0 | 1078 | 0.00% |
| Property Type | 0 | 1078 | 0.00% |
| Rate Frequency | 0 | 1078 | 0.00% |
| Sales Price | 0 | 1078 | 0.00% |
| State | 0 | 1078 | 0.00% |
| Subsequent Interest Rate Change Down | 0 | 1078 | 0.00% |
| Subsequent Interest Rate Change Up | 0 | 1078 | 0.00% |
| TILA Status Loan Designation | 0 | 1078 | 0.00% |
| **Grand Total** | **0** | **39886** | **0.00%** |
| Total Loans | 1078 |  |  |

---

## Exhibit 99.7

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **EDGAR Loan ID** | **SLOANID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  | XXXX | GCATINV400002 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000000000000 | 0 | 0 |
| XXXX | XXXX | GCATINV400001 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000000NN | 0 | 0 |
|  | XXXX | GCATINV400003 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000000NN | 0 | 0 |
|  | XXXX | GCATINV400004 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000000NN | 0 | 0 |
| XXXX | XXXX | GCATINV400005 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000000NN | 0 | 0 |
| XXXX | XXXX | GCATINV400006 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000010000NN | 0 | 1 |
|  | XXXX | GCATINV400008 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000000100NNN | 0 | 1 |
|  | XXXX | GCATINV400010 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000001000NNN | 0 | 1 |
| XXXX | XXXX | GCATINV400007 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000NNNNN | 0 | 0 |
|  | XXXX | GCATINV400009 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000000NNNN | 0 | 0 |
|  | XXXX | GCATINV400015 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00001000NNNN | 0 | 1 |
|  | XXXX | GCATINV400016 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000000NNNN | 0 | 0 |
|  | XXXX | GCATINV400011 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000001NNNNN | 0 | 1 |
|  | XXXX | GCATINV400012 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000NNNNN | 0 | 0 |
|  | XXXX | GCATINV400013 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000000NNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400014 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400017 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400018 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000NNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400019 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000NNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400020 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000NNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400021 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000NNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400022 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00000NNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400023 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400024 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400025 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400026 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400027 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400219 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 001NNNNNNNNN | 0 | 1 |
| XXXX | XXXX | GCATINV400220 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400214 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400028 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400029 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400215 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400030 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400216 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400031 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400217 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400032 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400033 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV401070 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400034 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400035 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400036 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV401074 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400037 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400038 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400039 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400040 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400041 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400042 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400043 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400057 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400054 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400055 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400056 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400044 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400063 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400064 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400065 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0000NNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400045 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400046 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400047 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400048 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400221 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400049 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400050 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400218 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400051 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400052 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400053 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV401071 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400058 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400059 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400060 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400061 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400071 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400074 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400062 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400066 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400067 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400068 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400084 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400089 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400094 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400098 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400104 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400106 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400110 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400116 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400122 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400124 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400125 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400126 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400127 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400129 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400131 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400134 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400135 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400075 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400076 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400077 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400078 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400079 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400080 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400081 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400082 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400083 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400085 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400086 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400087 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400088 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400090 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400091 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400092 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400093 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400095 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400096 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400097 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400099 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400100 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400101 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400102 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400103 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400105 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400107 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400108 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400109 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400111 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400112 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400113 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400114 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400115 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400117 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400118 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400141 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400119 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400120 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400121 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400123 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400142 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400128 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400130 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400132 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400133 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400136 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400137 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400138 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400139 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400140 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400069 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400070 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 10NNNNNNNNNN | 0 | 1 |
| XXXX | XXXX | GCATINV400072 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400146 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400073 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400144 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400143 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400148 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400149 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400150 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400145 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400158 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400159 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400160 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400161 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400147 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400223 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400224 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400225 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400226 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400227 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400228 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400229 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400230 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400231 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400232 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400233 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400234 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400235 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400237 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400236 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400162 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400163 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400151 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400152 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400153 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400154 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400155 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400156 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400157 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400182 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400183 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400175 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400176 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 000NNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400177 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
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|  | XXXX | GCATINV400164 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400243 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400246 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400248 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400249 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400250 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400265 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400343 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400281 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400282 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400283 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400284 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400285 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400287 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400288 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400289 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400291 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400292 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400293 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400294 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400295 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400344 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
| XXXX | XXXX | GCATINV400296 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400298 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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| XXXX | XXXX | GCATINV400338 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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|  | XXXX | GCATINV400351 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400266 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400268 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
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|  | XXXX | GCATINV400752 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400754 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 00NNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400734 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400757 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400789 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400790 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400740 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400791 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV401069 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400786 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400787 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400739 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400788 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400793 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400794 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400796 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400798 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400741 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400799 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400800 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400803 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400745 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400810 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400797 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400742 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400805 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400814 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400817 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400819 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400824 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400614 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400615 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400626 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400616 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400617 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400627 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400618 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400620 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400621 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400622 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400623 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |
|  | XXXX | GCATINV400625 | XXXX | XX/XX/XXXX | 06/30/2025 | 12 | 0NNNNNNNNNNN | 0 | 0 |

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## Exhibit 99.8

[GCAT Depositor IiI, llc abs-15g](gcat-abs15g.htm)

**Exhibit 99.8**

---

| | | |
|:---|:---|:---|
| **Category** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| No Delinquency, No Missing Data | 573 | 98.12% |
| Delinquency, No Missing Data | 11 | 1.88% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **584** | **100.00%** |

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