# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-25-004503
**Filing Date:** 2025-12
**Character Count:** 1337212
**Document Hash:** ca506579864bfd959d57accaf081ccff
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-004503.hdr.sgml**: 20251204

**ACCESSION NUMBER**: 0000929638-25-004503

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

**PUBLIC DOCUMENT COUNT**: 9

**CONFORMED PERIOD OF REPORT**: 20251204

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

**FILED AS OF DATE**: 20251204

**DATE AS OF CHANGE**: 20251204

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 251549276

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<u> GS Mortgage-Backed Securities Trust 2025-PJ11 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

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

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#### INFORMATION TO BE INCLUDED IN THE REPORT

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| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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

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

Dated: December 4, 2025

---

| | |
|:---|:---|
| GS Mortgage Securities Corp. | GS Mortgage Securities Corp. |
| (Depositor) | (Depositor) |
| By:  | <u>/s/ Manju Madhavan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> |
|  | Name: Manju Madhavan |
|  | Title: President |

---

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

---

| | | |
|:---|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  |  | Schedule 1 – Executive Summary/Narrative |
|  |  | Schedule 2 – Rating Agency Grades |
|  |  | Schedule 3 – Exception Grades |
|  |  | Schedule 4 – Valuation Report |
|  |  | Schedule 5 – Supplemental Data |
|  |  | Schedule 6 – Data Compare Summary Report |

---

## Exhibit 99.1

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#### EXECUTIVE SUMMARY

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

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

The loans in the Review carried origination dates between May 2025 and October 2025.

(2) Sample size of the assets reviewed.

The Review was conducted on three hundred nineteen (319) mortgage loans with an aggregate original principal balance of approximately $365.063 million. The Review covered 100% of the loans in the securitization population.

(3) Determination of the sample size and computation.

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

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

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

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

#### SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, LLC ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

#### OVERALL REVIEW RESULTS SUMMARY
There were three hundred nineteen (319) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS, Fitch, Kroll, Moody's, and S&P NRSRO grading criteria one hundred seventy-nine (179) (56.11%) had an Overall grade of "A", one hundred forty (140) (43.89%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's, S&P)** | **# of Loans** | **Percentage of Loans** |
| A | 179 | 56.11% |
| B | 140 | 43.89% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
Two hundred fifty-three (253) (79.31%) mortgage loans of the total received an "A" Credit Review grade. The sixty-six (66) (20.69%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's, S&P)** | **# of Loans** | **Percentage of Loans** |
| A | 253 | 79.31% |
| B | 66 | 20.69% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable NRSRO grading criteria two hundred twenty-six (226) (70.85%) had a Compliance Review grade of "A" and ninety-three (93) (29.15%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's, S&P)** | **# of Loans** | **Percentage of Loans** |
| A | 226 | 70.85% |
| B | 93 | 29.15% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable NRSRO grading criteria three hundred eighteen (318) (99.69%) loans had a Property/Valuation grade of "A". One (1) (0.31%) of the loans generated a Property/Valuation grade of "B" due to the loan being originated with an appraisal waiver with a secondary value supporting value; however, none are lower than a grade of "B."

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's, S&P)** | **# of Loans** | **Percentage of Loans** |
| A | 318 | 99.69% |
| B | 1 | 0.31% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (319 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch, Kroll, Moody's, and DBRS grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 67 |
| Compliance | B | ATR/QM Defect | 42 |
| Compliance | B | TRID Defect | 25 |
| Compliance | B | Misc. State Level | 4 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| Compliance | B | RESPA | 2 |
| Compliance | B | Missing Non-Required Data | 2 |
| Compliance | B | FACTA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***146*** |

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| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **146** |
| Credit | B | Title | 64 |
| Credit | B | Guideline | 2 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***66*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **66** |
| Property | B | Appraisal Reconciliation | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***1*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **1** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **213** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the three hundred nineteen (319) mortgage loans reviewed, none (0) of the mortgage loans had tape discrepancies.

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Balloon Flag | 0 | 319 | 0.00% | 319 |
| Borrower First Name | 0 | 319 | 0.00% | 319 |
| Borrower Last Name | 0 | 319 | 0.00% | 319 |
| Borrower SSN | 0 | 319 | 0.00% | 319 |
| City | 0 | 319 | 0.00% | 319 |
| Investor: Qualifying Total Debt Ratio | 0 | 319 | 0.00% | 319 |
| Lender | 0 | 319 | 0.00% | 319 |
| Margin | 0 | 1 | 0.00% | 319 |
| Occupancy | 0 | 319 | 0.00% | 319 |
| Original CLTV | 0 | 319 | 0.00% | 319 |
| Original Interest Rate | 0 | 319 | 0.00% | 319 |
| Original Loan Amount | 0 | 319 | 0.00% | 319 |
| Original LTV | 0 | 319 | 0.00% | 319 |
| Originator Loan Designation | 0 | 319 | 0.00% | 319 |
| PITIA Reserves Months | 0 | 159 | 0.00% | 319 |
| Product Description | 0 | 319 | 0.00% | 319 |
| Property Type | 0 | 319 | 0.00% | 319 |
| Purpose | 0 | 319 | 0.00% | 319 |
| Refi Purpose | 0 | 16 | 0.00% | 319 |
| Representative FICO | 0 | 319 | 0.00% | 319 |
| State | 0 | 319 | 0.00% | 319 |
| Street | 0 | 319 | 0.00% | 319 |
| Zip | 0 | 319 | 0.00% | 319 |
| **Total** | **0** | **6556** | **0.00%** | **319** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 319 | 100.00% | $365063008.00 | 100.00% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |

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| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 319 | 100.00% | $365063008.00 | 100.00% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 22 | 6.90% | $25660194.00 | 7.03% |
| First Time Home Purchase | 22 | 6.90% | $24211820.00 | 6.63% |
| Other-than-first-time Home Purchase | 167 | 52.35% | $177936256.00 | 48.74% |
| Rate/Term Refinance - Borrower Initiated | 108 | 33.86% | $137254738.00 | 37.60% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 319 | 100.00% | $365063008.00 | 100.00% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 189 | 59.25% | $221942174.00 | 60.80% |
| Condo, Low Rise | 14 | 4.39% | $13801420.00 | 3.78% |
| Condo, High Rise | 4 | 1.25% | $5723000.00 | 1.57% |
| PUD | 104 | 32.60% | $117513424.00 | 32.19% |
| Townhouse | 5 | 1.57% | $2106990.00 | 0.58% |
| 1 Family Attached | 3 | 0.94% | $3976000.00 | 1.09% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 245 | 76.80% | $302368377.00 | 82.83% |
| Second Home | 74 | 23.20% | $62694631.00 | 17.17% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 319 | 100.00% | $365063008.00 | 100.00% |
| **Total** | **319** | **100.00%** | **$365063008.00** | **100.00%** |

---

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

14 \| P a g e

## Exhibit 99.1

![](situs_logo.jpg)

#### Rating Agency Grades

#### Run Date - 12/2/2025 12:17:07 PM

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39276216 |  | A | A | C | C | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32646423 |  | B | A | A | B | B | A | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30635056 |  | A | C | A | C | A | B | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33234607 |  | B | A | A | B | B | A | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 38573527 |  | A | A | A | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 |  | C | C | A | C | A | B | A | B |  |
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---

## Exhibit 99.1

![](situs_logo.jpg)

#### Exception Grades

#### Run Date - 12/2/2025 12:17:07 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39276216 | 33958270 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file was missing a copy of the Form 1004D/442 document. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>Seller Comment (2025-09-08): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Seller Comment (2025-09-02): XXXXX<br>| 09/08/2025 |  |  | 1<br> C<br> A |  | NM | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32646423 | 34325879 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/05/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30635056 | 33956068 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/18/2025 | 2<br> B |  | ME | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30635056 | 33956072 |  | 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 XXXXX. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | XXXXX Fee was last disclosed as $0.00 on LE but disclosed as $165.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $165.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>Reviewer Comment (2025-09-02): XXXXX<br>Seller Comment (2025-08-29): XXXXX<br>Reviewer Comment (2025-08-01): XXXXX<br>Seller Comment (2025-07-31): XXXXX<br>|  | 09/16/2025 |  | 2<br> C<br> B |  | ME | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33234607 | 33836248 |  | 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 Warehousing Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Warehousing Fee was last disclosed as $0.0 on LE but disclosed as $125.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 $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-03): XXXXX<br>|  | 07/03/2025 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33234607 | 33836257 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-08-12): XXXXX<br>|  |  | 07/07/2025 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38573527 | 33924944 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, 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 (2025-07-14): XXXXX<br>|  | 07/14/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38573527 | 33924945 |  | 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 $115.76 exceeds tolerance of $102.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $102.00 on LE but disclosed as $115.76 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 $13.76, 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 (2025-07-14): XXXXX<br>|  | 07/14/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | 33899502 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>| 09/05/2025 |  |  | 1<br> B<br> A<br> C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | 33899526 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third Party Verification not provided for Co Borrowers XXXXX employment. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-14): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | 33899579 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-07-25): XXXXX<br>| 07/25/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | 33899593 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/15/2025 | 2<br> B |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | 33909098 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification not provided for XXXXX property. |  |  |  | Reviewer Comment (2025-08-15): XXXXX<br>Seller Comment (2025-08-14): XXXXX<br>| 08/15/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35908645 | 34035552 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 07/29/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35908645 | 34036186 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $244,307.55 are insufficient to meet cash to close of $265,871.77. Final 1008 reflects $281,207.55 verified, however, there was a large deposit on XXXXX account ending in XXXXX in the amount of $36,900 that was not sourced. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>Reviewer Comment (2025-08-26): XXXXX<br>Seller Comment (2025-08-25): XXXXX<br>Reviewer Comment (2025-08-21): XXXXX<br>Seller Comment (2025-08-21): XXXXX<br>Reviewer Comment (2025-08-14): XXXXX<br>Seller Comment (2025-08-14): XXXXX<br>Reviewer Comment (2025-08-12): XXXXX<br>Seller Comment (2025-08-12): XXXXX<br>Reviewer Comment (2025-08-06): XXXXX<br>Seller Comment (2025-08-05): XXXXX<br>Reviewer Comment (2025-08-01): XXXXX<br>Seller Comment (2025-07-31): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | 34426402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension not provided in file for XXXXX. The file contained a copy of the XXXXX 1040 |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | 34426403 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension not provided in file for XXXXX. The file contained a copy of the XXXXX 1040 |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | 34426404 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension not provided in file for XXXXX. The file contained a copy of the XXXXX 1040 |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | 34426405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension not provided in file for XXXXX. The file contained a copy of the XXXXX 1040 |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | 34426469 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 09/18/2025 |  |  | 1<br> D<br> A |  | TX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 | 34519122 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 | 34519124 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan allows for Partial Payments. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan allows for Partial Payments. |  |  |  | Reviewer Comment (2025-10-10): XXXXX<br>Seller Comment (2025-10-09): XXXXX<br>|  | 10/10/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 | 34519206 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 | 34519283 |  | 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 (2025-10-13): XXXXX<br>Seller Comment (2025-10-10): XXXXX<br>Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36444832 | 34028110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Tax Return Due Date XX/XX/XX |  |  |  | Reviewer Comment (2025-07-30): XXXXX<br>|  |  | 07/30/2025 | 2<br> B |  | LA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36444832 | 34028231 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Mortgage statement for property XXXXX |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Reviewer Comment (2025-09-23): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX<br>Reviewer Comment (2025-08-29): XXXXX<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36444832 | 34028246 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of mortgage Statement and verification of HOA dues for XXXXX |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33466644 | 34203907 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $76,300.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>Reviewer Comment (2025-08-28): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>Reviewer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-19): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | MA | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33466644 | 34203925 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2<br> B |  | MA | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39536640 | 34391006 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/15/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36072571 | 34061374 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/31/2025 | 2<br> B |  | CO | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259904 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/26/2025 | 2<br> B |  | CO | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259907 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. |  |  |  |  |  |  | 08/26/2025 | 2<br> B |  | CO | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259916 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $850.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $100.00 . |  |  |  | Reviewer Comment (2025-08-21): XXXXX<br>|  | 08/21/2025 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259924 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $120.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, however evidence of cure in file in the amount of $120.00. |  |  |  | Reviewer Comment (2025-08-21): XXXXX<br>|  | 08/21/2025 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259976 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file is missing a copy of Initial Rate Lock. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Seller Comment (2025-08-27): XXXXX<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | 34259989 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33435836 | 34266905 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 08/26/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33435836 | 34266940 |  | 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 XXXXX. Fee Amount of $212.00 exceeds tolerance of $170.00. Insufficient or no cure was provided to the borrower. | XXXXX Fee was last disclosed as $170.00 on LE but disclosed as $212.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $42.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-22): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>|  | 10/22/2025 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37792019 | 34231926 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency - Temporary Buydown | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a First Change frequency that does not match the actual first change frequency for the loan. | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  | Reviewer Comment (2025-08-26): XXXXX<br>Seller Comment (2025-08-25): XXXXX<br>Reviewer Comment (2025-08-25): XXXXX<br>Seller Comment (2025-08-22): XXXXX<br>|  | 08/26/2025 |  | 2<br> B |  | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37792019 | 34231927 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate - Temporary Buydown | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. | Adjustable-Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Reviewer Comment (2025-08-25): XXXXX<br>Seller Comment (2025-08-22): XXXXX<br>|  |  | 08/28/2025 | 2<br> B |  | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38927848 | 34273158 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $3,340.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Seller Comment (2025-08-27): XXXXX<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33638202 | 34279004 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 08/28/2025 | 2<br> B |  | AZ | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140398 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140399 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $5,204.70. Threshold maximum is $5,014.89. Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140400 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140401 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%). Non-Compliant High Cost Loan. | Points and Fees exceed allowable threshold by $XXX or XXX%. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140404 |  | 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 XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.56625% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | As per the Final 1003 and 1008 Documents HOA Amount for the subject property is given as $533.00,as per Appraisal HOA Amount of $1667 is getting paid and no other Documents are present. Due to this DTI Exceeding more than the guideline maximum of 50.00%. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 09/29/2025 |  |  | 1<br> B<br> A<br> C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%). | XXXXX Points and Fees exceed allowable threshold by $XXX or XXX%. |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>Seller Comment (2025-08-08): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,012.48 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Amount of Estimated Property Costs over Year 1 of 30,012.48 on Final Closing Disclosure provided on XX/XX/XX are under disclosed. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Reviewer Comment (2025-08-29): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140455 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 08/07/2025 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140483 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | As per the Final 1003 and 1008 Documents HOA Amount for the subject property is given as $533.00,as per Appraisal HOA Amount of $1667 is getting paid and no other Documents are present. Due to this DTI Exceeding more than the guideline maximum of 50.00%. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-15): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. Due to discrepancies on HOA |  |  |  | Reviewer Comment (2025-08-13): XXXXX<br>| 08/13/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34140723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,215.00 exceeds tolerance of $5,912.32. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax fee amount of $6,215.00 exceeds tolerance of $5,912.32. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-08-05): XXXXX<br>|  | 08/05/2025 |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34199938 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.56625% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Failing QM due to DTI exceeding guidelines max of 50%. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-15): XXXXX<br>| 09/29/2025 |  |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34199939 |  | 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. | Failing QM due to DTI exceeding guidelines max of 50%. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-15): XXXXX<br>| 09/29/2025 |  |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | 34594468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,012.48 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed. |  |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>|  | 10/06/2025 |  | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39154650 | 34401206 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/16/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36818280 | 34279399 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>| 09/03/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36818280 | 34279400 |  | 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. | Unable to verify S-Corp income using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36818280 | 34279615 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to income document missing. This exception will be cleared once all ATR specific exception has been cured/cleared |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34315429 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/02/2025 | 2<br> B |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324847 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. Due to gift funds not being adequately qualified. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>| 09/05/2025 |  |  | 1<br> B<br> A<br> C |  | UT | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324848 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%). | Points and Fees exceed allowable threshold by $XXX or XXX%. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-03): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324861 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $3,418.48. Due to gift funds not being adequately qualified. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-04): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324862 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Calculated qualifying asset balance of $124,478.20 is less than AUS qualifying asset balance of $139,628.95. Due to gift funds not being adequately qualified. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-04): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324864 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets for Closing of $124,478.20 is less than Cash From Borrower $137,477.46. Due to gift funds not being adequately qualified. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-04): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | 34324871 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of gift funds and proof of deposit of gift funds are missing from the file. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Seller Comment (2025-09-03): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | 34414085 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Homeowners Insurance Policy document shows property address as "XXXXX" and not "XXXXX" Please provide updated document for review. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-26): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | 34414098 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing the W-2 for XXXXX for Borrower. Please provide for review. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>Buyer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-26): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-24): XXXXX<br>Reviewer Comment (2025-09-23): XXXXX<br>Seller Comment (2025-09-22): XXXXX<br>| 10/09/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | 34414215 |  | 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 (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>Buyer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-26): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-22): XXXXX<br>| 10/09/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | 34414216 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>|  | 09/11/2025 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | 34414221 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 10/09/2025 |  |  | 1<br> B<br> A<br> C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33514513 | 34475638 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  | Copy of Occupancy Certificate is missing. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-07): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33514513 | 34524372 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 09/22/2025 | 2<br> B |  | TN | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32044796 | 34342256 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Seller Comment (2025-09-09): XXXXX<br>| 09/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35238551 | 34326079 |  | 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 $101.76 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $100.00 on LE but disclosed as $101.76 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>|  | 08/29/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31513721 | 34318078 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>| 09/16/2025 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31513721 | 34318079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The file is missing the third party verification for the borrower's business. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-11): XXXXX<br>Reviewer Comment (2025-09-10): XXXXX<br>Seller Comment (2025-09-09): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38481570 | 34275804 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-03): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>| 09/05/2025 |  |  | 1<br> B<br> A<br> C |  | WI | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38481570 | 34275805 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%). | QM Points and Fees threshold exceeded by $XXX or XXX%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-03): XXXXX<br>Seller Comment (2025-08-28): XXXXX<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | WI | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30409796 | 34582358 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/01/2025 | 2<br> B |  | MA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39562343 | 34301358 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file was missing a copy of the required Note document for subject lien. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Seller Comment (2025-09-01): XXXXX<br>| 09/02/2025 |  |  | 1<br> D<br> A |  | WA | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31169187 | 34390854 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31169187 | 34390946 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification revised secondary appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/15/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39650798 | 34262071 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>|  | 08/29/2025 |  | 2<br> C<br> B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31649351 | 34272427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $840.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $840.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Reviewer Comment (2025-09-05): XXXXX<br>|  | 09/18/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31649351 | 34272503 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $276,000.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Seller Comment (2025-09-04): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38653750 | 34232321 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 08/21/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31783121 | 34413648 |  | 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 $800.00 exceeds tolerance of $785.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $785.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>|  | 09/11/2025 |  | 1<br> A |  | ME | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31783121 | 34473148 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | ME | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34347475 | 34366239 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/10/2025 | 2<br> B |  | IA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37688132 | 34495853 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/25/2025 | 2<br> B |  | NC | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36618642 | 34315222 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/03/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36618642 | 34315224 |  | 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 $800.00 exceeds tolerance of $585.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>|  | 08/28/2025 |  | 1<br> A |  | VA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32594685 | 34390963 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/15/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32594685 | 34390964 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040 and business returns. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-16): XXXXX<br>|  |  | 09/17/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32594685 | 34390972 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/15/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34115097 | 34321985 |  | 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 Copy/Rush Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Copy/Rush Fee was last disclosed as $150.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>|  | 08/28/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34115097 | 34321990 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/04/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30091421 | 34322020 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date XX/XX/XX, Disbursement Date: XX/XX/XX |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>Seller Comment (2025-09-05): XXXXX<br>| 09/08/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30091421 | 34322127 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/04/2025 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34463004 | 34449559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33794831 | 34448631 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is not provided for Borrower 3. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 10/01/2025 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33794831 | 34448693 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank XXXXX): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | Credit report is not provided for noted borrower. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33794831 | 34448717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>| 10/03/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38964298 | 34591639 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/02/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38964298 | 34591641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38081416 | 34492938 |  | 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 $550.00 exceeds tolerance of $440.00 plus 10% or $484.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee was last disclosed as $484.00 on LE but disclosed as $550.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>|  | 09/18/2025 |  | 1<br> A |  | MA | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36210300 | 34429471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Seller Comment (2025-09-19): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30397406 | 34341713 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/05/2025 | 2<br> B |  | TN | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30397406 | 34341714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 | 34431189 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification revised appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/17/2025 | 2<br> B |  | AZ | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 | 34431190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Review determined loan to be SHQM (APOR). |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Seller Comment (2025-10-07): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 10/07/2025 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 | 34431199 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $800.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $800.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>|  | 10/15/2025 |  | 2<br> C<br> B |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 | 34668827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client elected to redesignate to Safe Harbor QM (APOR). |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>|  |  | 10/07/2025 | 2<br> A<br> B |  | AZ | Primary | Purchase | C<br> B<br> A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34990666 | 34355921 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject transaction is purchase of second home. However in 1003 declaration section 5A will you occupy the property as your primary residence is marked as Yes. Please provide updated 1003. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-12): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | ME | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34990666 | 34366689 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File does not have AUS document in file. |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Seller Comment (2025-09-12): XXXXX<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | ME | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30684704 | 34390704 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30684704 | 34390767 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/12/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30684704 | 34390838 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30918595 | 34374351 |  | 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 $-2,211.75 exceeds tolerance of $-2,271.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,211.75 present in Final CD exceeds tolerance of $-2,271.00 present in Initial Loan Estiamte. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38133218 | 34391866 |  | 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 $1,065.00 exceeds tolerance of $925.00 plus 10% or $1,017.50. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $47.50 due to increase of Title - Settlement/Closing fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $47.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>|  | 09/25/2025 |  | 2<br> C<br> B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32972377 | 34367507 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/10/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32972377 | 34367508 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/10/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39153451 | 34581322 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/01/2025 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33098877 | 34412895 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file was missing a copy of the document require to Confirm Initial Rate Lock Date. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33098877 | 34412903 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file was missing a copy of the document require to Confirm Initial Rate Lock Date. |  |  |  |  |  |  | 09/16/2025 | 2<br> B |  | GA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39350186 | 34317661 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/04/2025 | 2<br> B |  | SC | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39350186 | 34317662 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | XXXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>Seller Comment (2025-09-05): XXXXX<br>| 09/08/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32894846 | 34416137 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2<br> B |  | CT | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34543333 | 34335568 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/05/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34543333 | 34338507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Seller Comment (2025-09-08): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 | 34324498 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | The Condo - Rider contains 2nd to 3rd pages, 1st pages are missing. Please Provide the complete Condo - Rider document. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>Seller Comment (2025-09-08): XXXXX<br>| 09/08/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 | 34324533 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/05/2025 | 2<br> B |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 | 34324535 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | XXXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Seller Comment (2025-09-10): XXXXX<br>Seller Comment (2025-09-08): XXXXX<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 | 34429104 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Unable to test due to missing tangible net benefit information. | XXXXX Borrower's Interest Tangible Net Benefit Worksheet does not show the date provided to the borrower. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-12): XXXXX<br>| 09/17/2025 |  |  | 1<br> A |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34709418 | 34398924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $125.00 compared to the calculated total of payments of $XXX which exceeds the $100.00 threshold. | Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $125.00 compared to the calculated total of payments of $XXX which exceeds the $100.00 threshold. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Seller Comment (2025-09-23): XXXXX<br>Reviewer Comment (2025-09-22): XXXXX<br>Seller Comment (2025-09-19): XXXXX<br>Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34709418 | 34398926 |  | 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 $80.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $70.00 on LE but disclosed as $80.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>|  | 09/10/2025 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34709418 | 34545781 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per guidelines, loan amounts greater than $XXXXX require two full appraisals. Loan amount is $XXXXX and only one appraisal was provided. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-26): XXXXX<br>| 09/26/2025 |  |  | 1<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39741978 | 34321230 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/04/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39741978 | 34321232 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Ability to Repay not Verified) | XXXXX Home Loan (HB1322): File does not contain evidence that broker performed an analysis of borrower's ability to repay based on verified income, obligations, assets, and/or employment. |  |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>|  |  | 09/10/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39741978 | 34321239 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Earlier dated CD not in file. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>Seller Comment (2025-09-05): XXXXX<br>| 09/08/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34520967 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $183,716.92 is less than Cash From Borrower $260,634.11. EMD source is missing |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34520969 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34521007 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34521009 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590009 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590057 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (High-Cost Mortgage): APR Threshold is exceeded by XXX%. APR of XX.XX% exceeds a threshold of 6.50000% based on the Average Prime Offer Rate for comparable maturities of .00000% plus jurisdiction allowable margin of 6.50000%. Non-Compliant High Cost Loan. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590060 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590061 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> B<br> A<br> C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of XX.XX% is equal to or greater than the threshold of 2.25000%. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590077 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and XXXXX not be found in the file for loans that have not been previously sold) | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590078 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | 34590079 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Evidence of initial rate lock date is missng. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 | 34496175 |  | 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 62.78526% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Employment letter from XXXXX indicates the borrower's employment is a 1 yar contract that commenced XX/XX/XX. Continuance has not been established, and income was not included by review causing DTI to increase outside of guides. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 | 34496177 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Due to loan failing a guideline component. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/08/2025 |  |  | 1<br> B<br> A<br> C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 | 34496204 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Employment letter from XXXXX indicates the borrower's employment is a 1 yar contract that commenced XX/XX/XX. DTI to increase outside of guides. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 | 34496214 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31340084 | 34481856 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy is missing |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>| 10/09/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33011095 | 34401345 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing copy of paystub or WVOE document. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33011095 | 34401436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-19): XXXXX<br>| 09/26/2025 |  |  | 1<br> B<br> A<br> C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33011095 | 34401437 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing the income guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31147046 | 34188927 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $150,000.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-18): XXXXX<br>| 08/19/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31147046 | 34189116 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS document was missing on the file. |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>Seller Comment (2025-08-19): XXXXX<br>| 08/20/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31147046 | 34189119 |  | 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 $3,000.00 exceeds tolerance of $2,400.00. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as $2,400.00 on the Loan Estimate, but disclosed as $3,000.00 on the Final Closing disclosure. No valid change of circumstance, sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-19): XXXXX<br>Seller Comment (2025-08-18): XXXXX<br>| 08/19/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38204837 | 34592249 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/02/2025 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38204837 | 34594527 |  | 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 Certification Fee. Fee Amount of $401.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Certification Fee was last disclosed as $0.00 on LE but disclosed as $401.95 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>|  | 09/29/2025 |  | 1<br> A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38204837 | 34594531 |  | 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 $405.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $295.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>|  | 09/29/2025 |  | 1<br> A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | 34481991 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the mortgage statement documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | 34485469 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | File is missing lenders 1003. Please provide for review. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/25/2025 |  |  | 1<br> B<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | 34485470 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  | File is missing the Occupancy Certificate. Please provide for review. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/25/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | 34485479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/24/2025 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | 34485480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier receipt was not located in file. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38621294 | 34538997 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38621294 | 34539006 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32554761 | 34397881 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>|  | 10/22/2025 |  | 2<br> C<br> B |  | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32554761 | 34397901 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/16/2025 | 2<br> B |  | MO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32554761 | 34397909 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | MO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37987451 | 34319494 |  | 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 $70.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $50.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>|  | 08/28/2025 |  | 1<br> A |  | NY | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37987451 | 34319495 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $370.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $370.00 exceeds tolerance of $150.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>|  | 08/28/2025 |  | 1<br> A |  | NY | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33198947 | 34325224 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/05/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 | 34397651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>|  | 10/06/2025 |  | 2<br> C<br> B |  | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 | 34397653 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/16/2025 | 2<br> B |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 | 34397822 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | To use business assets, XXXXX requires that the borrower must be listed as an owner of the account. Documentation in file does not verify the ownership of the XXXXX account ending in XXXXX. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 | 34397869 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $4,428.20 is less than Guideline Available for Reserves of $18,686.38. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32292412 | 34481711 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>Seller Comment (2025-09-24): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32292412 | 34544914 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Duplicate Exception. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>| 09/26/2025 |  |  | 1<br> A |  | CO | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30420103 | 34213999 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/20/2025 | 2<br> B |  | AZ | Second Home | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30420103 | 34214458 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Seller Comment (2025-09-04): XXXXX<br>Reviewer Comment (2025-08-25): XXXXX<br>Seller Comment (2025-08-23): XXXXX<br>| 09/05/2025 |  |  | 1<br> D<br> A |  | AZ | Second Home | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30420103 | 34369708 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Provided appraisal 2055 Exterior only for secondary valuation. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Seller Comment (2025-09-06): XXXXX<br>|  |  | 09/09/2025 | 2<br> B |  | AZ | Second Home | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35886183 | 34480918 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35886183 | 34480986 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/24/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30859419 | 34601535 |  | 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 $97.00 exceeds tolerance of $96.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.00 exceeds tolerance of $96.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>|  | 09/30/2025 |  | 1<br> A |  | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37450293 | 34518900 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37450293 | 34518927 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36304830 | 34448618 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/19/2025 | 2<br> B |  | MA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36304830 | 34448619 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Seller Comment (2025-09-22): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | MA | Second Home | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39574780 | 34485379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/23/2025 | 2<br> B |  | NV | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30741173 | 34390772 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2<br> B |  | GA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30741173 | 34390774 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD provided XX/XX/XXX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31792736 | 34367902 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/08/2025 | 2<br> B |  | VT | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38668060 | 34511692 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38668060 | 34511779 |  | 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 $120.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as $70.00 on LE but disclosed as $120.00 in Final Closing Disclosure. File does not contain a valid COC for this fee; Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>|  | 09/19/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38668060 | 34511780 |  | 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 $68.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification of Employment fee was last disclosed as $0.00 on LE but disclosed as $68.95 on Final Closing Disclosure. File does not contain a valid COC for this fee; Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>|  | 09/19/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34638712 | 34695552 |  | 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 $-6,213.56 exceeds tolerance of $-8,987.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as -$8,987.00on LE but disclosed as -$6,213.56 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,773.44 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34638712 | 34695575 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/14/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 | 34550527 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/30/2025 | 2<br> B |  | WI | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 | 34550528 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/30/2025 | 2<br> B |  | WI | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 | 34550530 |  | 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 XXXXX. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>|  | 09/25/2025 |  | 1<br> A |  | WI | Second Home | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 | 34550531 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>|  | 09/25/2025 |  | 1<br> A |  | WI | Second Home | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33038840 | 34481684 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-10-11): XXXXX<br>Seller Comment (2025-10-09): XXXXX<br>| 10/11/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31212160 | 34581261 |  | 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 $212.00 exceeds tolerance of $185.00 plus 10% or $203.50. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee was last disclosed as $203.50 on LE but disclosed as $212.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, however evidence of cure in file in the amount of $8.50. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>|  | 09/26/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35118869 | 34485630 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34514381 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34514406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>| 10/08/2025 |  |  | 1<br> B<br> A<br> C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34514407 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (XXXXX/25% |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34514409 |  | 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 $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $600.00 on LE but disclosed as $750.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>|  | 09/19/2025 |  | 1<br> A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34514410 |  | 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 $165.30 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $150.00 on LE but disclosed as $165.30 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 $15.30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>|  | 09/19/2025 |  | 1<br> A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | 34576040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business or personal tax returns provided are not the most recent. Extension is in file. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | TN | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36820921 | 34401126 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | 34527053 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/29/2025 | 2<br> B |  | WA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | 34527194 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | WA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | 34527196 |  | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | XXXXX HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. | Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | WA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | 34527197 |  | 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. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | 34527602 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing a copy of the E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30382893 | 34593714 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/02/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38961157 | 34393372 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate - Temporary Buydown | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-16): XXXXX<br>|  |  | 09/17/2025 | 2<br> B |  | SC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38961157 | 34431372 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Product Description (Buydown Alternate Disclosure Method) | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XX disclosed a Product | Final Closing Disclosure provided on XX/XX/XX disclosed an introductory period of 12 months (1/1 Step Rate). |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-16): XXXXX<br>|  |  | 09/17/2025 | 2<br> B |  | SC | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33892927 | 34590298 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing proof of receipt for EMDs. |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-10): XXXXX<br>Seller Comment (2025-10-10): XXXXX<br>Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38445000 | 34603556 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/30/2025 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31431672 | 34493657 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/24/2025 | 2<br> B |  | MA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37102520 | 34494801 |  | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | XXXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | VA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37102520 | 34494802 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase | TRID timing exception, no remediation available.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33220050 | 34268444 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided are underdisclosed. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Reviewer Comment (2025-08-29): XXXXX<br>|  | 09/02/2025 |  | 2<br> C<br> B |  | VT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33220050 | 34268518 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | VT | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34502867 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/26/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34502868 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/26/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34502870 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date. |  |  |  |  |  |  | 09/26/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34502940 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34502945 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  | 10/09/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | 34575660 |  | 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 $400.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>|  | 09/25/2025 |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33907298 | 34545561 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX<br>| 10/09/2025 |  |  | 1<br> C<br> A |  | MO | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31734641 | 34348025 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file was missing a copy of the Appraisal. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> D<br> A |  | TN | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31734641 | 34348037 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Seller Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> D<br> A |  | TN | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31734641 | 34348043 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-07): XXXXX<br>| 10/08/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 | 34538989 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX . The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 | 34538990 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX . The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 | 34538991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX . The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 | 34710148 |  | 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 $336.00 exceeds tolerance of $288.00 plus 10% or $316.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-13): XXXXX<br>|  | 10/13/2025 |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36161065 | 34641124 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34976287 | 34640136 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33559537 | 34492410 |  | 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 $225.00 exceeds tolerance of $175.00 plus 10% or $192.50. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $225.00 exceeds tolerance of $175.00 plus 10% or $192.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>|  | 09/18/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33559537 | 34492434 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/24/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39092659 | 34550497 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | TX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38850400 | 34550925 |  | 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) | XXXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/02/2025 |  |  | 1<br> B<br> A |  | OH | Second Home | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38850400 | 34603621 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | OH | Second Home | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 | 34499958 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 | 34499959 |  | 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 $3,436.33 exceeds tolerance of $3,400.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $3,400.00 on LE but disclosed as $3,436.33 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $36.33. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>|  | 09/19/2025 |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 | 34499967 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/26/2025 | 2<br> B |  | VA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 | 34499999 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $578.06. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35498531 | 34397853 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/16/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35498531 | 34397891 |  | 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>|  | 09/10/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33005840 | 34550482 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36186778 | 34612183 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/06/2025 | 2<br> B |  | PA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36186778 | 34612187 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>|  | 10/01/2025 |  | 1<br> A |  | PA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31296288 | 34502806 |  | 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 $-5,912.88 exceeds tolerance of $-7,301.00. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $1,388.12 due to decrease of lender credit. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,388.12, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-30): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31296288 | 34502808 |  | 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 Property Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $200.00 due to increase of Property Inspection fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 10/01/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37841070 | 34611758 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/06/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 | 34595321 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | MO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 | 34595322 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | MO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 | 34595323 |  | 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 $2,221.00 exceeds tolerance of $1,899.00 plus 10% or $2,088.90. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $322.00 due to increase of Title Examination fee, Title Courier / Express Mail/Messenger Fee. No valid COC provided, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>|  | 09/29/2025 |  | 1<br> A |  | MO | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 | 34595324 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal fee was last disclosed as-$00.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>|  | 09/29/2025 |  | 1<br> A |  | MO | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | 34530762 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | 34530804 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Per XXXXX, borrower must be listed as an owner of the account in order to use funds from business account. Missing evidence that the borrower is listed as an owner of the business account. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | 34530828 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $267,026.57 are insufficient to meet cash to close of $362,898.24. Final 1008 reflects $474,480.63 verified, however, available qualified assets for Closing is only $267,026.57. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | 34530838 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/29/2025 | 2<br> B |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | 34530873 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $18,111.71. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34073382 | 34661716 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>|  | 10/07/2025 |  | 1<br> A |  | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36190560 | 34521634 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>|  | 09/22/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36190560 | 34542097 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns, application date is XX/XX/XX. The file contained a copy of the XXXXX 1040's. Extension is in file. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Seller Comment (2025-10-01): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38934098 | 34739104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31102213 | 34641236 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31102213 | 34641367 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640639 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-10-07): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-10-07): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640734 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>|  | 10/03/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640735 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>|  | 10/03/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34640821 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | 34650932 |  | 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 $565.00 exceeds tolerance of $401.00 plus 10% or $441.10. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $565.00 exceeds tolerance of $401.00 plus 10% or $441.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>|  | 10/06/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34183703 | 34690321 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | AL | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34183703 | 34690322 |  | 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 $1,836.00 exceeds tolerance of $1,478.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $1,478.00 on LE but disclosed as $1,836.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>|  | 10/09/2025 |  | 1<br> A |  | AL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34364361 | 34551026 |  | 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 $2,460.08 exceeds tolerance of $1,816.00. $644.08 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $1,816.00 on LE but disclosed as $2,460.08 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367460 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367461 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | A loan approval was not provided in the file. Please provide a document reflecting the loan was approved and the terms of the approval (LTV, DTI, FICO, etc.) |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file is missing a copy of the AUS |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367554 |  | 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. | The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/16/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | Good faith redisclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367555 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367556 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XX used as disbursement date for compliance testing. | The file is missing a copy of Evidence to verify disbursement date |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/17/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367557 |  | Compliance | Compliance | Federal Compliance | Compliance | Note Interest Accrual Start Date | Disbursement Date is missing. Unable to determine Interest Accrual Start Date from the Note due to missing information. | The file is missing a copy of Evidence to verify disbursement date to verify the Interest Accrual Start Date from the Note |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367558 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX personal and business returns. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Seller Comment (2025-09-18): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367559 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file is missing a copy of Initial escrow account statement. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/17/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high-cost testing. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34367561 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $0.00 XXXXX be required. | 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 $0.00 XXXXX be required. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Seller Comment (2025-09-15): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34478468 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Missing SSPL |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>| 09/30/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34478514 |  | 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 $7,608.04 exceeds tolerance of $6,163.00 plus 10% or $6,779.30. Insufficient or no cure was provided to the borrower. | Missing SSPL, no VCC showing reason for fee changes. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>Reviewer Comment (2025-09-26): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>Reviewer Comment (2025-09-23): XXXXX<br>Seller Comment (2025-09-22): XXXXX<br>| 09/30/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34478515 |  | 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 $3,333.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee increased with no VCC. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Seller Comment (2025-09-22): XXXXX<br>| 09/23/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | 34478529 |  | 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 $700.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. | Fee increased to $700 after dropping with no VCC. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>| 09/16/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 | 34601877 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | UT | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 | 34601878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | UT | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 | 34601879 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | UT | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 | 34601880 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.50 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $10.05 due to increase of Recording Fee. No valid COC provided, sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>|  | 09/30/2025 |  | 1<br> A |  | UT | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38523062 | 34701679 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-10): XXXXX<br>|  | 10/10/2025 |  | 1<br> A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38523062 | 34701680 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35831512 | 34641702 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35831512 | 34641734 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/09/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34819364 | 34580418 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34646857 | 34631362 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-13): XXXXX<br>Seller Comment (2025-10-09): XXXXX<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | MN | Second Home | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33649842 | 34739347 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33649842 | 34744295 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>|  | 10/16/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | 34519791 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $900.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $900.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | 34519792 |  | 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 $131.50 exceeds tolerance of $95.00. $36.50 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $95.00 on LE but disclosed as $131.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $36.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | 34519808 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/26/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | 34748191 |  | 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 $1,000.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>|  | 10/16/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | 34748192 |  | 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 $131.50 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>|  | 10/16/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37676066 | 34519541 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/26/2025 | 2<br> B |  | NV | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37676066 | 34519550 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file was missing a copy of the Trust Rider |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37676066 | 34519566 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39323692 | 34699690 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39323692 | 34699691 |  | 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 $-10,316.66 exceeds tolerance of $-10,766.00. Insufficient or no cure was provided to the borrower. | Lender Credits fee was previously disclosed to the borrower on the Loan estimate as $-10,766.00 but it increased on the closing disclosure as $-10,316.66. No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-15): XXXXX<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 39323692 | 34699735 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/14/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32744878 | 34539283 |  | 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 $223.00 exceeds tolerance of $199.00 plus 10% or $218.90. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $223.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $4.10 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>|  | 09/24/2025 |  | 1<br> A |  | OH | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465547 | 34519520 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39991895 | 34741699 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-23): XXXXX<br>Reviewer Comment (2025-10-20): XXXXX<br>|  |  | 10/23/2025 | 2<br> B |  | WA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038328 | 34476024 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file is missing a signed & dated Security Instrument. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Seller Comment (2025-09-24): XXXXX<br>| 09/24/2025 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39455619 | 34639313 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39455619 | 34639429 |  | 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 $-13,139.94 exceeds tolerance of $-16,460.00. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $3,320.06 due to increase in fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3,320.06, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31559488 | 34632903 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/07/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35438816 | 34493026 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Seller Comment (2025-10-02): XXXXX<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34020570 | 34600348 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/03/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34020570 | 34600350 |  | 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 $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>|  | 09/30/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34020570 | 34600364 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-13): XXXXX<br>Seller Comment (2025-10-09): XXXXX<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37764852 | 34640347 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37764852 | 34640387 |  | 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 $3,435.00 exceeds tolerance of $2,975.00 plus 10% or $3,272.50. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $3,435.00 exceeds tolerance of $2,975.00 plus 10% or $3,272.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>|  | 10/03/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36916313 | 34655153 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36916313 | 34655174 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/09/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39353723 | 34729639 |  | 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 $-10,533.96 exceeds tolerance of $-11,056.00. Insufficient or no cure was provided to the borrower. | Lender Credits fee was last disclosed as -$11,056.00on LE but disclosed as -$10,533.96.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $522.04, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-20): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566797 | 34743546 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566797 | 34745711 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33864355 | 34583115 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32077944 | 34711955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-18): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>| 10/18/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31106502 | 34674548 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/10/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30752605 | 34675990 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/10/2025 | 2<br> B |  | AZ | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038452 | 34637442 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35108735 | 34714909 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/15/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37670792 | 34551146 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37670792 | 34551148 |  | 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 Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $00.00 on LE but disclosed as $123.60 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 $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>|  | 09/25/2025 |  | 1<br> A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37670792 | 34551199 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is missing proposed loan amount in received title report. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38450453 | 34415834 |  | 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 $1,025.75 exceeds tolerance of $971.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $971.00 on LE but disclosed as $1,025.75 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>|  | 09/11/2025 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38450453 | 34415843 |  | 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 $344.50 exceeds tolerance of $301.00 plus 10% or $331.10. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $13.40 due to increase of recording fee. Evidence of cure in file in the amount of $13.40. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>|  | 09/11/2025 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32621833 | 34428983 |  | 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 $70.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>|  | 09/12/2025 |  | 1<br> A |  | AZ | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37220380 | 34430746 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/19/2025 | 2<br> B |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37220380 | 34493150 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XXX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Seller Comment (2025-09-19): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35300664 | 34430151 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 09/19/2025 | 2<br> B |  | CA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35141569 | 34732114 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/17/2025 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35141569 | 34732115 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/17/2025 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30093760 | 34754744 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/21/2025 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31517657 | 34762121 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/22/2025 | 2<br> B |  | UT | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31517657 | 34763149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>|  | 10/20/2025 |  | 1<br> A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37916003 | 34600363 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/03/2025 | 2<br> B |  | NJ | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36658079 | 34612439 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/01/2025 | 2<br> B |  | CO | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 | 34654244 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | AR | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 | 34654246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>| 10/15/2025 |  |  | 1<br> B<br> A<br> C |  | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 | 34654247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%). | QM Points and Fees threshold exceeded by $XXX or XXX%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | AR | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 | 34654287 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | AR | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37078552 | 34738979 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38954291 | 34692824 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/13/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36547244 | 34448986 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-25): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34853450 | 34713067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33427388 | 34729700 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/17/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35993459 | 34698722 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/14/2025 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35993459 | 34724903 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-23): XXXXX<br>Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>|  |  | 10/23/2025 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33314373 | 34689777 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/13/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33314373 | 34689779 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | XXXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower not provided First Lien Refinance Notice. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35427086 | 34688015 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/13/2025 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39868864 | 34723084 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-17): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31280875 | 34754457 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32452233 | 34720910 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32452233 | 34720914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-17): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32452233 | 34720939 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31576082 | 34639757 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31576082 | 34639782 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31576082 | 34639784 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. (Interim/XX/XX/XX) |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37905220 | 34650721 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37905220 | 34650722 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>|  |  | 10/16/2025 | 2<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37905220 | 34650724 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Tolerance Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31708033 | 34627260 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37608982 | 34652712 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>|  | 10/06/2025 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37608982 | 34652985 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-20): XXXXX<br>Seller Comment (2025-10-16): XXXXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582170 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582176 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582177 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582178 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582179 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582180 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582181 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582182 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582183 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582184 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582185 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582186 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | 34582187 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-06): XXXXX<br>|  |  | 10/08/2025 | 2<br> B |  | VA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35683288 | 34687912 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/13/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34025277 | 34640043 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): XXXXX<br>Seller Comment (2025-10-10): XXXXX<br>| 10/10/2025 |  |  | 1<br> D<br> A |  | GA | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990549 | 34653570 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,XXX | Reviewer Comment (2025-11-19): XXXXX<br>|  |  | 10/09/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990549 | 34718135 |  | 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 $1,340.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>|  | 10/14/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30081358 | 34722804 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37642140 | 34639457 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>|  | 10/03/2025 |  | 1<br> A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38273830 | 34533152 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>Buyer Comment (2025-08-18): XXXXX<br>| 08/20/2025 |  |  | 1<br> D<br> A |  | ID | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32277980 | 34602350 |  | 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 $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-26): XXXXX<br>|  | 08/26/2025 |  | 1<br> A |  | VA | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | 34742202 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | 34742203 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | 34742204 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-10-23): XXXXX<br>Seller Comment (2025-10-23): XXXXX<br>|  |  | 10/23/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | 34742205 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | 34742699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31590176 | 34836583 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | 1084 or income worksheet is missing in file, rental income is calculated and used for income calculation. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31590176 | 34836584 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds is missing in file for XXXXX, account is owned by non-borrowing spouse. Also listed on 1003 and AUS. |  |  |  | Reviewer Comment (2025-08-29): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33948914 | 34836618 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/02/2025 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33948914 | 34836623 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate not found at time of review. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836626 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Available purchase contract is for the purchase price of $XXXXX however Sales price considered is for $XXXXX. Provide Sales contract addendum for new purchase price and change in the borrower name from XXXXX to XXXXX. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/03/2025 |  |  | 1<br> D<br> A |  | MS | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836627 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax amount considered for City Tax is $XXXXX annually/ $XXXXX monthly and County $XXXXX annually / $XXXXX monthly. Provide Tax certificate supporting the Tax amount considered for qualification. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | MS | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836628 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds (all accounts) (XXXXX) are used for asset qualification. Provide Cash flow analysis or CPA letter confirming withdrawal of funds will not negatively impact the business. |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | MS | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836631 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement is missing in file. Monthly mortgage Payments are escrowed. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/02/2025 |  |  | 1<br> B<br> A |  | MS | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836633 |  | 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 $1,881.96 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was disclosed as $0 on Initial LE and $1,881.96 on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | MS | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | 34836634 |  | 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 Condo Project Review Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Condo Project Review Fee was disclosed as $0 on Initial LE and $250 on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | MS | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38760583 | 34836675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>Reviewer Comment (2025-08-18): XXXXX<br>Buyer Comment (2025-08-15): XXXXX<br>| 09/04/2025 |  |  | 1<br> B<br> A<br> C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38760583 | 34836676 |  | 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. | Loan designation failure due to missing VVOE. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>Reviewer Comment (2025-08-18): XXXXX<br>Buyer Comment (2025-08-15): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38760583 | 34836678 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 1.20 is less than Guideline PITIA months reserves of 3.00. Required sufficient asset to meet the reserve requirement. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 | 34836690 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | E-sign disclosure signed on XX/XX/XX and Application signed on XX/XX/XX. Initial Loan Estimate dated XX/XX/XX received by borrower on XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>Reviewer Comment (2025-08-28): XXXXX<br>Buyer Comment (2025-08-27): XXXXX<br>| 09/02/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 | 34836692 |  | 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 $875.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>|  | 08/20/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 | 34836695 |  | 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 $751.00 exceeds tolerance of $682.00 plus 10% or $750.20. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Title - Settlement Fee. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-08): XXXXX<br>|  | 09/11/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 | 34836696 |  | 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 $875.00 exceeds tolerance of $850.00. Insufficient or no cure was provided to the borrower. | Cure provided at closing. This exception will be cleared when all other tolerance issues have been resolved. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-08): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | 34836736 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - |  |  |  |  | Reviewer Comment (2025-08-27): XXXXX<br>Buyer Comment (2025-08-26): XXXXX<br>| 08/27/2025 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | 34836739 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification for XXXXX |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>Reviewer Comment (2025-08-27): XXXXX<br>Buyer Comment (2025-08-25): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | 34836740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX<br>| 09/04/2025 |  |  | 1<br> B<br> A<br> C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | 34836741 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | 34836742 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Per guidelines AUS can only be eligible for loan amount. AUS is also ineligible due to excessive interested party contributions. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>| 09/02/2025 |  |  | 1<br> A |  | GA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33581162 | 34836765 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX<br>| 09/04/2025 |  |  | 1<br> B<br> A |  | NC | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36880321 | 34836780 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-08): XXXXX<br>| 09/10/2025 |  |  | 1<br> D<br> A |  | AZ | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836796 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate is missing for subject property. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Buyer Comment (2025-08-27): XXXXX<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | KS | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836798 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of all assets to cover reserve requirements. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-08-28): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | KS | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836799 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | 1008 and Rate Lock documents reflect the loan is a Rate/Term Refinance but the Cash to the Borrower is greater than $2,000.00. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Buyer Comment (2025-08-27): XXXXX<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | KS | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836802 |  | 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 all asset documents to cover Reserve requirements of 3 months. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-08-29): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | KS | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836803 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation discrepancy due to missing asset documents for reserve requirement. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>| 09/09/2025 |  |  | 1<br> B<br> A<br> C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | 34836804 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 21,933.23 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed. | [ New exception arise due to PCCD document received with lower tax amount ] Final CD issued on XX/XX/XX show estimated property costs over Year 1 $21,933.23 (Taxes, Insurance & HOA total $1,993.93 x 11 months)<br> vs PCCD issued on XX/XX/XX $11,856.46 (Taxes, Insurance & HOA total $1,077.86 x 11 months). Tax amount lowered from $XXXXX / month to $XXXXX / months. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>|  | 09/11/2025 |  | 2<br> B |  | KS | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30226739 | 34836831 |  | 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 $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-19): XXXXX<br>|  | 08/19/2025 |  | 1<br> A |  | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30226739 | 34836832 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC reflects no later than midnight XX/XX/XX which is only 2 days after signing date of XX/XX/XX |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-08): XXXXX<br>Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-28): XXXXX<br>|  | 09/10/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34667365 | 34836844 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide insurance verification for $XXXXX/month for primary residence XXXXX |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32570709 | 34836849 |  | 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 $195.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $195.00 exceeds tolerance of $175.00. Sufficient cure provided. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>|  | 09/08/2025 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36025051 | 34836858 |  | 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 $630.00 exceeds tolerance of $494.00 plus 10% or $543.40. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $86.60 due to which fee increase of Recording Fee. No valid COC or cure provided. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX<br>Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/04/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36025051 | 34836859 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | Borrower XXXXX current address XXXXX no primary housing expense-rent free-missing LOE |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>Reviewer Comment (2025-09-08): XXXXX<br>Buyer Comment (2025-09-04): XXXXX<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36025051 | 34836860 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided |  | The VOR provided is from an individual. 12 months bank statements/canceled checks and a lease agreement to document the term and payment are required. |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>Reviewer Comment (2025-09-08): XXXXX<br>Buyer Comment (2025-09-04): XXXXX<br>| 09/12/2025 |  |  | 1<br> A |  | MA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836865 |  | 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 XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | No Defined cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | No Defined cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836869 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836870 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | 34836871 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non-Escrowed Property Costs Year 1 Incorrectly Disclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed N/A as Non-Escrowed Property Costs over Year 1. | Provide an updated CD with the correct Date Issued. The issue date on the final CD is XX/XX/XX versus XX/XX/XX. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34524890 | 34836899 |  | 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 Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>|  | 09/16/2025 |  | 1<br> A |  | ID | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34524890 | 34836900 |  | 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 $700.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>|  | 09/16/2025 |  | 1<br> A |  | ID | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34524890 | 34836901 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $246.00 exceeds tolerance of $196.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>|  | 09/16/2025 |  | 1<br> A |  | ID | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35280242 | 34836910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not found at time of review. |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-11): XXXXX<br>| 09/15/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39068966 | 34836927 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument is missing in the file for subject property lien. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/18/2025 |  |  | 1<br> D<br> A |  | CT | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36298122 | 34836963 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of receipt three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33321119 | 34836983 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final 1003 section 5a indicates subject is to be a primary residence while 4a indicate it is second home. Provide corrected final 1003 for co-borrower. |  |  |  | Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | MN | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 33321119 | 34836985 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-09-12): XXXXX<br>|  |  | 09/12/2025 | 2<br> B |  | MN | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36000993 | 34836989 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | EV2 informational and XXXXX be waived. |  |  |  | Buyer Comment (2025-09-17): XXXXX<br>|  |  | 09/17/2025 | 2<br> B |  | MI | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32842078 | 34837009 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Lender replacement cost is $1,038,233,.94 vs coverage written shortly less at $1,038,000. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>Reviewer Comment (2025-07-30): XXXXX<br>Buyer Comment (2025-07-29): XXXXX<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32842078 | 34837012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Homeowner's insurance and Property Taxes on page 2 of final CD are paid by the seller instead of borrower. EV2 informational and XXXXX be waived. |  |  |  | Buyer Comment (2025-07-24): XXXXX<br>|  |  | 07/24/2025 | 2<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36355266 | 34869586 |  | 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 $375.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>|  | 09/08/2025 |  | 1<br> A |  | CA | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869613 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>| 09/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869614 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS is missing. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>| 09/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869616 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to missing third party verification self employment. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>| 09/16/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869617 |  | 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. | Loan designation failure due to missing third party verification for XXXXX |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869618 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Loan designation failure due to missing third party verification for XXXXX |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869621 |  | 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 $411.70 exceeds tolerance of $185.00 plus 10% or $203.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>|  | 09/05/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | 34869622 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee on closing disclosure is $200.00 and on loan estimate $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>|  | 09/05/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 33089581 | 34869645 |  | 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 $725.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $600.00 on Loan Estimate but disclosed as $725.00 on Final Closing Disclosure .Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2025-09-08): XXXXX<br>|  | 09/08/2025 |  | 1<br> A |  | GA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34002845 | 34869706 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount was not provided. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>| 09/16/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34002845 | 34869707 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>| 09/16/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34002845 | 34869710 |  | 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 $210.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $210 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>|  | 09/11/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 34195827 | 34869738 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>| 09/18/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34195827 | 34869739 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provided title commitment document does not have policy amount, required complete title preliminary report. |  |  |  | Reviewer Comment (2025-09-18): XXXXX<br>Buyer Comment (2025-09-17): XXXXX<br>| 09/18/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39326567 | 34869745 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - |  |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | MI | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37983808 | 34869756 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS document is missing. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | WA | Second Home | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 | 35073458 |  | 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 $500.00 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $350.00 on Initial LE and $500.00 on Final CD. Sufficient cure provided. Issue will be cleared when all other open TRID violations have been resolved. |  |  |  | Buyer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-11): XXXXX<br>|  | 09/17/2025 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 | 35073459 |  | 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was disclosed as $0.00 on Initial LE and $150.00 on Final CD. Sufficient cure provided. Issue will be cleared when all other open TRID violations have been resolved. |  |  |  | Buyer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-11): XXXXX<br>|  | 09/17/2025 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 | 35073460 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Title - Tax Certificate Fee was disclosed as $0.00 on Initial LE and $25.00 on Final CD. Sufficient cure provided. Issue will be cleared when all other open TRID violations have been resolved. |  |  |  | Buyer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-11): XXXXX<br>|  | 09/17/2025 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 | 35073461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $375.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance fees was disclosed as $150.00 on Initial LE and $375.00 on Final CD. Missing COC and no cure provided |  |  |  | Buyer Comment (2025-09-17): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-11): XXXXX<br>|  | 09/17/2025 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373327 | 35073471 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $180,900.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Buyer Comment (2025-09-25): XXXXX<br>Reviewer Comment (2025-09-08): XXXXX<br>Buyer Comment (2025-09-08): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-04): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 | 35073476 |  | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. |  | As per guideline 12.2- Properties with more than 20 acres are ineligible. Subject property is 40.67 acres and also, | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | $181,893.18 vs $16,749.52 | XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX | Reviewer Comment (2025-09-30): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>|  |  | 09/30/2025 | 2<br> C<br> B |  | OK | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 | 35073477 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-09-25): XXXXX<br>|  |  | 09/25/2025 | 2<br> B |  | OK | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 | 35073478 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $15.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>|  | 09/23/2025 |  | 1<br> A |  | OK | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 | 35073479 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Provide a satisfactory letter of explanation regarding lack of primary mortgage/rental history. LOX in file does not confirm borrowers were previously living rent free. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> A |  | OK | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 39855255 | 35073485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,462.96 exceeds tolerance of $14,428.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $14,428.00 on LE but disclosed as $14,462.96 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>|  | 09/22/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31396413 | 35073490 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Per appraisal zoning of rural residential-per guidelines Rural zoned properties ineligible. Review for acceptability | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 736 vs 680 | XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX<br>XXX,XXX | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>|  |  | 09/19/2025 | 2<br> C<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 32903531 | 35073494 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | 1 year average + YTD income used to qualify. XXXXX W-2 transcripts pg 1 provided missing pages 4-5. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36388231 | 35073498 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Co-borrower XXXXX average income considered for review. XXXXX Transcript provided. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36388231 | 35073500 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | XXXXX-Primary Residence XXXXX-rent free-LOE missing |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Buyer Comment (2025-09-26): XXXXX<br>Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073502 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Missing all title documentation. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073503 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | The document was missing from the file confirming borrower's citizenship status. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073504 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Condo documentation from the lender/seller confirming the condo is warrantable is missing in file. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073505 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Borrower qualified using 1-year + YTD average income; Transcripts (1040 or W2) for the year XXXXX is missing in file. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073506 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject property Hazard Policy is missing on the file. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073507 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Mortgage loan payoff statement missing in file. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073508 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Permanent Resident Alien Card is missing for Borrower. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>| 09/19/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | 35073509 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | New Exception as result of documentation. Preliminary Report does not listed coverage amount and no escrow instruction available in the file. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>| 09/24/2025 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | 35073511 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Borrower qualified using 2 Year + YTD Average Bonus Income; Transcripts (1040) for the years XXXXX & XXXXX are missing in the file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | 35073512 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The taxes reflected on the final 1003 (page 13) and AUS are shown as $XXXXX per month or $XXXXX annually. Provide documentation to support this amount, as the tax certificate provided indicates an annual tax amount of $XXXXX. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-15): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | 35073513 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-09-12): XXXXX<br>Reviewer Comment (2025-09-12): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>|  |  | 09/12/2025 | 2<br> B |  | NJ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | 35073515 |  | 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 receipt was not provided. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>| 09/11/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | 35073516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,623.45 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed. | [ New exception arise due change in escrow amount ] Amount of Estimated Property Costs over Year 1 of $30,623.45 on Final Closing Disclosure provided on XX/XX/XX are over disclosed. Tax amount of $XXXXX + $XXXXX = $XXXXX annual and $XXXXX / month disclosed on Final CD over $XXXXX annual and $XXXXX / month on PCCD. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Buyer Comment (2025-09-24): XXXXX<br>|  | 09/25/2025 |  | 2<br> B |  | NJ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | 35073520 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The documented qualifying assets for closing amount to $0.00, which is less than the required cash from the borrower of $100,093.46. Additionally, the supporting documentation for the pending net sale proceeds of the property located at XXXXX, as listed on the 1003 form, is missing. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | 35073521 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Additionally, the supporting documentation for the pending net sale proceeds of the property located at XXXXX, as listed on the 1003 form, is missing. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | 35073522 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | 35073523 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> B<br> A<br> C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | 35073524 |  | 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. | QM failure due to insufficient asset documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | 35073526 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | As per final CD provided on XX/XX/XX on Page 4 Box check Will not have an escrow account reason is not provided, required updated CD with reason. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Buyer Comment (2025-09-10): XXXXX<br>Reviewer Comment (2025-09-10): XXXXX<br>Buyer Comment (2025-09-09): XXXXX<br>|  | 09/11/2025 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | 35073527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | 35073530 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required Free & Clear for REO Property located at XXXXX. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | 35073531 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS reflects 2 accounts were omitted from the DTI. XXXXX and XXXXX were paid off prior to closing. Per AUS, if these accounts were paid off prior to closing, the loan casefile must be resubmitted to DU. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | 35073532 |  | 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 $900.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>|  | 09/03/2025 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30737716 | 35073536 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | XXXXX only one-month bank statement provided. As per AUS required bank statement covering a two-months. Additional month bank statement required. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30737716 | 35073540 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | XXXXX only one-month bank statement provided. As per AUS required bank statement covering a two-months. Additional month bank statement required. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | 35136512 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The Final Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Short Form in file. |  |  |  | Reviewer Comment (2025-08-28): XXXXX<br>Buyer Comment (2025-08-26): XXXXX<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | 35136514 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-8 Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (2025-09-02): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/02/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | 35136515 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,259.51 exceeds tolerance of $-5,435.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>|  | 08/20/2025 |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | 35136516 |  | 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 Loan Discount Points. Fee Amount of $3,168.75 exceeds tolerance of $3,156.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>|  | 08/20/2025 |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | 35136517 |  | 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 $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-20): XXXXX<br>|  | 08/20/2025 |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136519 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>Buyer Comment (2025-08-29): XXXXX<br>| 09/03/2025 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136521 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Buyer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136522 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The required VVOE dated within 10 days prior to the note date is missing for both borrowers' current employment. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136523 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | VVOEs within 10 business days of Note date are missing for both borrowers. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/22/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136524 |  | 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. | VVOEs within 10 business days of Note date are missing for both borrowers. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | 35136525 |  | 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.) | VVOEs within 10 business days of Note date are missing for both borrowers. |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Buyer Comment (2025-09-05): XXXXX<br>Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-02): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136530 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136531 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136532 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136533 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Final 1003 & 1008 / Approval / AUS are missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136534 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>Reviewer Comment (2025-09-18): XXXXX<br>Buyer Comment (2025-09-17): XXXXX<br>| 09/25/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136535 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Award Letters for Annuity income of borrower are missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136537 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to missing award letters for borrower's Annuity income, causing the loan to waterfall. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136538 |  | 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. | Award Letters for Annuity income are missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136539 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Loan Approval | General QM: Missing loan approval; General QM testing is incomplete. | Loan Approval is missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136540 |  | 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.) | Award Letters for Annuity income are missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | 35136541 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Award Letters for Annuity income are missing in file. |  |  |  | Reviewer Comment (2025-09-17): XXXXX<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | 35136544 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds max 50%. Unable to exclude XXXXX. Document confirming the accounts were paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-25): XXXXX<br>Reviewer Comment (2025-09-25): XXXXX<br>Buyer Comment (2025-09-23): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | DE | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | 35136545 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI exceeds max 50%. Unable to exclude XXXXX. Document confirming the accounts were paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> B<br> A<br> C |  | DE | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | 35136546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 55.81267% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds max 50%. Unable to exclude XXXXX. Document confirming the accounts were paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>| 09/25/2025 |  |  | 1<br> C<br> A |  | DE | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | 35136547 |  | 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. | Loan designation failure due to DTI. Unable to exclude XXXXX. Document confirming the accounts were paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | DE | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | 35136548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.67892% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | supporting documents not provided in file to exclude XXXXX debt from DTI ratio. |  |  |  | Reviewer Comment (2025-09-29): XXXXX<br>| 09/29/2025 |  |  | 1<br> A |  | DE | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30833255 | 35136551 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and Insurance verification documents are missing for the XXXXX property. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 30819456 | 35136555 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-22): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 38500722 | 35136558 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-19): XXXXX<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 36866415 | 35136565 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Statement, Tax Verification for reo property not provided. |  |  |  | Reviewer Comment (2025-09-26): XXXXX<br>Buyer Comment (2025-09-25): XXXXX<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Valuation Report

#### Run Date - 12/2/2025 12:17:08 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39276216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32646423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30635056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33234607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38573527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35908645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36444832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31594589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33466644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39536640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38360534 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36072571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32897625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33435836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37792019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38927848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33638202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39154650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33534571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36818280 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33514513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32044796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39660597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34056316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35238551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37367984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31513721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38481570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31512778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30409796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30145459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39562343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31169187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39650798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31649351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38653750 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31783121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34347475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37688132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.580% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33102673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36618642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32594685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34115097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35612747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30091421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34463004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33794831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38964298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38081416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34329390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36210300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30397406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34990666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30684704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30918595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38133218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32972377 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39153451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 25.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33098877 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39350186 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32894846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34491307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34543333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34709418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39741978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31340084 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33011095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31147046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38204837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 38621294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32554761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33157901 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37987451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39683699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33198947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32292412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.520% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.520% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30273283 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30420103 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 5.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 5.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30303496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35886183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34860321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30859419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37450293 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36304830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39574780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30741173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33685272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31792736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38668060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34638712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.070% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33038840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31212160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35118869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36820921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32669414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.970% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30382893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34992687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30987845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31177352 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38961157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33892927 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.280% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 38445000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31431672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.430% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37102520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33220050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33907298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34890831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31734641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35178250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35650872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39833921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35493956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36161065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35677457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34976287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33559537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32553768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39092659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38850400 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36214137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35498531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33005840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36186778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.860% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31296288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37841070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34676589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35086608 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34073382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31598527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35139155 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36190560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30792407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 38934098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31102213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31192446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30557298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34183703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34364361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33388474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32279068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32224208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38523062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35831512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37578302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34819364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30012008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33925336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34646857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33649842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35400181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37676066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39323692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32744878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39991895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32456649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32802251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39455619 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37710885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31559488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35438816 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34020570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37764852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36916313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33462732 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39353723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32108127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37919163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33864355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32077944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31106502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30752605 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36778355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32111394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038452 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35108735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37670792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.520% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38793178 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38450453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39051421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32621833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37220380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33957429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.660% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34869996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35300664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35141569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.710% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34332928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30093760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31517657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37916003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36658079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37078552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36637691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38954291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36547244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34853450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30513419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31875211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34639343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38999375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33427388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35993459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35307210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33314373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32904426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39480896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35427086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39868864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36398399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31280875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32452233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33623004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 31576082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37905220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31708033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39141810 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37608982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 38159530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35683288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34025277 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39354982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30081358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 37642140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38273830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32277980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31590176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33948914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38760583 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33581162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36880321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30984239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30226739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34283280 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34667365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32570709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36025051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34524890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 35280242 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 39068966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36298122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 33321119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 36000993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 34286056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32842078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36355266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33089581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33213454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34891751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34002845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34615376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34195827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39326567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37983808 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31286274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39855255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31396413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35873099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32903531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36388231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39137230 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30737716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30833255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 30819456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38500722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37432442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38989497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36866415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Supplemental Data

#### Run Date - 12/2/2025 12:17:09 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [redacted] | [redacted] | [redacted] | [redacted] | 39276216 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7122.64 | $8126.13 |  | XX.XX% | $1719.08 | $1719.08 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18991.33 | 1 | $1671.84 | $769.92 | $139.32 | $64.16 |  |  |  |  |  | 19.641% | 19.641% | 19.641% | 5/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7122.64 |  | 6.920% | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $486281.51 | 100.000% | No | 24 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 212.81 |  | No | No |  | $0.00 | $9883.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32646423 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6714.00 | $10058.50 |  | XX.XX% | $2753.34 | $2753.34 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6730.49 | 1 | $8382.00 | $1040.04 | $698.50 | $86.67 |  |  |  |  |  | 44.696% | 44.696% | 44.696% | 5/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<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 - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6714.00 |  | 6.630% | $6075.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $390692.57 | 51.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.78 |  |  | No |  | $6861.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30635056 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1620.00 | $9141.30 |  | XX.XX% | $8302.06 | $8302.06 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14919.44 | 1 | $18165.72 | $1227.00 | $1513.81 | $102.25 |  |  |  |  |  | 44.332% | 44.332% | 44.332% | 5/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025 | [Borrower]; 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1620.00 |  | 6.890% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.750% | 1 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $1073866.51 | 64.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33234607 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1694.00 | $4069.35 |  | XX.XX% | $7873.70 | $7873.70 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23197.63 | 1 | $10101.36 | $5918.88 | $841.78 | $493.24 |  |  |  |  |  | 39.535% | 39.535% | 39.535% | 6/XX/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1694.00 |  | 6.890% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | N/A | No | 7.375% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $834277.13 | 44.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38573527 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $1967.65 |  | XX.XX% | $16137.70 | $16137.70 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49140.66 | 1 | $16054.56 | $14289.00 | $1337.88 | $1190.75 |  |  |  |  |  | 40.036% | 40.036% | 40.036% | 5/XX/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - 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 |  |  | XXX | $1195.00 |  | 6.890% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 7.625% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $718249.63 | 25.200% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.31 |  | Yes | No |  | $40975.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32839388 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25726.00 | $26163.33 |  | XX.XX% | $7975.76 | $7975.76 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15340.81 | 1 | $10846.56 | $3771.96 | $903.88 | $314.33 |  |  |  |  |  | 49.496% | 49.496% | 49.496% | 5/XX/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25726.00 |  | 6.830% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 7.875% | 1 | 0 | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $504049.20 | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 31.15 |  | No | No |  | $9135.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35908645 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6194.72 | $5659.65 |  | XX.XX% | $6684.85 | $6684.85 | 6.625% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $10589.82 | 1 | $15419.16 | $1881.96 | $1284.93 | $156.83 |  |  |  |  |  | 46.514% | 46.514% | 46.514% | 6/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.72 |  | 6.830% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $74307.55 | 5.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | 2.56 |  | No | No |  | $0.00 | $7170.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35739333 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $41077.40 | $41380.97 |  | XX.XX% | $9005.57 | $9005.57 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23428.07 | 1 | $14584.20 | $16329.72 | $1215.35 | $1360.81 |  |  |  |  |  | 39.503% | 39.503% | 39.503% | 6/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; 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 |  |  | XXX | $41077.40 |  | 6.630% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | 5.875% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $2486659.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 202.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31172488 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $6517.60 |  | XX.XX% | $7438.12 | $7438.12 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11735.59 | 1 | $9661.80 | $2525.04 | $805.15 | $210.42 |  |  |  |  |  | 42.437% | 42.437% | 42.437% | 6/XX/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.320% | $0.00 |  | DU |  | ApproveEligible | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $600.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.06 |  |  | No |  | $0.00 | $9583.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36444832 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4027.00 | $7690.76 |  | XX.XX% | $5762.80 | $5762.80 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $64877.46 | 1 | $18129.12 | $10733.04 | $1510.76 | $894.42 |  |  |  |  |  | 35.625% | 35.625% | 35.625% | 4/XX/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Tax Return Extension - 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]; 1084 or income worksheet - Year Not Available<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]; Transcripts (1040) - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4027.00 |  | 6.770% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | 6.625% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $631750.17 |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 51.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31594589 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19190.38 | $21077.53 |  | XX.XX% | $10109.81 | $10109.81 | 6.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17858.89 | 1 | $11051.52 | $4046.28 | $920.96 | $337.19 |  |  |  |  |  | 47.991% | 47.991% | 47.991% | 5/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19190.38 |  | 6.770% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $563614.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 49.58 |  | No | No |  | $3022.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33466644 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $9492.25 |  | XX.XX% | $9487.34 | $9487.34 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26895.51 | 1 | $9933.84 | $3501.96 | $827.82 | $291.83 |  |  |  |  |  | 36.208% | 36.208% | 36.208% | 7/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<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]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.770% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 0 | 1 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $442661.41 |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 36.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39536640 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12156.50 | $13333.79 |  | XX.XX% | $5801.99 | $5801.99 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42184.98 | 1 | $21176.28 | $6666.00 | $1764.69 | $555.50 |  |  |  |  |  | 24.612% | 24.612% | 24.612% | 6/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12156.50 |  | 6.670% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $356574.21 |  | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.84 |  |  | No |  | $0.00 | $14874.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38360534 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $3155.29 |  | XX.XX% | $7981.69 | $7981.69 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16305.62 | 1 | $5094.96 | $4094.04 | $424.58 | $341.17 |  |  |  |  |  | 35.329% | 35.329% | 35.329% | 7/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.770% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $3443.33 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36072571 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1615.00 | $3725.00 |  | XX.XX% | $6174.01 | $6174.01 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13588.56 | 1 | $9451.80 | $3566.04 | $787.65 | $297.17 |  |  |  |  |  | 49.042% | 49.042% | 49.042% | 6/XX/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1615.00 |  | 6.670% | $10000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 7.000% | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $647517.97 | 55.820% | No | 9 | 17 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 56.85 |  | No | No |  | $0.00 | $14583.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36611928 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $6117.00 |  | XX.XX% | $5518.20 | $5518.20 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24875.83 | 1 | $1746.48 | $1932.36 | $145.54 | $161.03 |  |  |  |  |  | 32.479% | 32.479% | 32.479% | 7/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1595.00 |  | 6.670% | $0.00 | 1.9 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $458562.02 | 43.670% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 41.36 |  | No | No |  | $0.00 | $20833.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32897625 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $4622.00 |  | XX.XX% | $4929.35 | $4929.35 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16496.48 | 1 | $7667.52 | $4104.00 | $638.96 | $342.00 |  |  |  |  |  | 41.156% | 41.156% | 41.156% | 7/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.670% | $0.00 | 2.2 | DU |  | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $498199.92 | 52.440% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 49.14 |  | No | No |  | $0.00 | $14284.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33435836 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $7560.99 |  | XX.XX% | $5858.85 | $5858.85 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23789.36 | 1 | $15249.96 | $2259.00 | $1270.83 | $188.25 |  |  |  |  |  | 32.537% | 32.537% | 32.537% | 7/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.750% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $691012.60 | 56.640% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 50.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37792019 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13340.00 | $25955.67 |  | XX.XX% | $6194.27 | $6194.27 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14125.86 | 1 | $6833.64 | $1794.00 | $569.47 | $149.50 |  |  |  |  |  | 40.735% | 40.735% | 40.735% | 7/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 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]; 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 |  |  | XXX | $13340.00 |  | 6.750% | $1500.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $359105.68 | 29.310% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.8 |  | Yes | No |  | $0.00 | $10416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38927848 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1679.00 | $7721.93 |  | XX.XX% | $3119.35 | $3119.35 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6970.41 | 1 | $10769.04 | $4206.48 | $897.42 | $350.54 |  |  |  |  |  | 43.741% | 43.741% | 43.741% | 6/XX/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1679.00 |  | 6.750% | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | No | No | 6.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $454990.89 | 50.550% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.56 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33638202 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $5925.58 |  | XX.XX% | $6569.29 | $6569.29 | 6.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22762.70 | 1 | $3832.80 | $4400.04 | $319.40 | $366.67 |  |  |  |  |  | 33.490% | 33.490% | 33.490% | 6/XX/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 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<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $435.00 | 3.9 | DU |  | ApproveIneligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $4704009.40 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 569.91 |  | No | No |  | $5628.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33836131 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31297.90 | $55579.11 |  | XX.XX% | $7423.30 | $7423.30 | 6.875% | No | No | Non-Employment Income | Employed | Employed |  | 12.4 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $21639.19 | 1 | $16330.20 | $7286.28 | $1360.85 | $607.19 |  |  |  |  |  | 47.211% | 47.211% | 47.211% | 6/XX/2025 | 748 | 786 | 776 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $31297.90 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.875% | 0 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $268309.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 27.71 |  | Yes | No |  | $18012.63 | $18664.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39154650 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $6726.30 |  | XX.XX% | $7794.16 | $7794.16 | 6.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20546.73 | 1 | $11622.00 | $3558.00 | $968.50 | $296.50 |  |  |  |  |  | 40.648% | 40.648% | 40.648% | 7/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2020.00 |  | 6.630% | $17000.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.000% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $734732.39 | 45.210% | No | 1 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.48 |  | No | No |  | $9618.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33534571 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.76 | $10641.59 |  | XX.XX% | $5689.23 | $5689.23 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16140.64 | 1 | $5557.56 | $5274.96 | $463.13 | $439.58 |  |  |  |  |  | 40.535% | 40.535% | 40.535% | 7/XX/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.76 |  | 6.790% | $2800.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.250% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $296927.48 | 25.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.59 |  | Yes | No |  | $0.00 | $9476.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36818280 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $17351.42 |  | XX.XX% | $7705.35 | $7705.35 | 6.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17351.27 | 1 | $16977.72 | $6095.04 | $1414.81 | $507.92 |  |  |  |  |  | 47.339% | 47.339% | 47.339% | 7/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 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) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 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]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.790% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $253464.62 | 17.060% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.54 |  | Yes | No |  | $15551.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35206488 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2899.70 | $8460.76 |  | XX.XX% | $1416.15 | $1416.15 | 6.250% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6344.30 | 1 | $2271.12 | $1245.96 | $189.26 | $103.83 |  |  |  |  |  | 49.314% | 49.314% | 49.314% | 6/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 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 - 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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2899.70 |  | 6.610% | $68500.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $124478.20 | 35.060% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.47 |  | No | No |  | $4908.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37381125 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4735.00 | $4614.42 |  | XX.XX% | $3100.70 | $3100.70 | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17560.56 | 1 | $6056.76 | $6054.00 | $504.73 | $504.50 |  |  |  |  |  | 34.967% | 34.967% | 34.967% | 7/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4735.00 |  | 6.790% | $2188.00 | 4.6 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $317663.97 | 53.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 45.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33514513 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $3003.08 |  | XX.XX% | $4977.64 | $4977.64 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30403.19 | 1 | $17092.56 | $5013.72 | $1424.38 | $417.81 |  |  |  |  |  | 32.047% | 32.047% | 32.047% | 7/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.540% | $4928.56 | 2.2 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.250% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $77284.69 | 6.690% | No | 31 | 31 |  |  | 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 Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.19 |  | No | No |  | $0.00 | $14826.57 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32044796 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9542.92 | $17456.30 |  | XX.XX% | $9108.50 | $9108.50 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23084.98 | 1 | $20098.32 | $3503.04 | $1674.86 | $291.92 |  |  |  |  |  | 35.949% | 35.949% | 35.949% | 7/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 |  |  | XXX | $9542.92 |  | 6.790% | $28250.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $414553.78 | 22.710% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 35.74 |  |  | No |  | $0.00 | $26041.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39660597 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3928.52 |  | XX.XX% | $6510.30 | $6510.30 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36773.78 | 1 | $18527.40 | $836.04 | $1543.95 | $69.67 |  |  |  |  |  | 31.472% | 31.472% | 31.472% | 7/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $329505.96 |  | No | 31 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 34.32 |  | No | No |  | $0.00 | $7958.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34056316 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9813.00 | $14570.66 |  | XX.XX% | $5056.54 | $5056.54 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13000.34 | 1 | $6277.92 | $2486.04 | $523.16 | $207.17 |  |  |  |  |  | 41.071% | 41.071% | 41.071% | 7/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9813.00 |  | 6.790% | $0.00 | 1.7 | DU |  | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $531951.00 | 43.240% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.03 |  | No | No |  | $0.00 | $9702.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35238551 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6193.98 | $9924.07 |  | XX.XX% | $6768.62 | $6768.62 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17323.65 | 1 | $27300.00 | $3338.04 | $2275.00 | $278.17 |  |  |  |  |  | 47.637% | 47.637% | 47.637% | 7/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6193.98 |  | 6.790% | $3000.00 | 1.9 | LP / LPA |  | Accept/Ineligible | Yes | No | 7.375% | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $531959.66 | 37.990% | No |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.07 |  | Yes | No |  | $0.00 | $12750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34417518 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $4559.72 |  | XX.XX% | $8836.29 | $8836.29 | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $160682.32 | 1 | $13251.96 | $3540.60 | $1104.33 | $295.05 |  |  |  |  |  | 8.996% | 8.996% | 8.996% | 7/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; Transcripts (1040) - 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]; 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]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.625% | 0 | 2 | 2 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1552524.61 | 84.370% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 103.87 |  | No | No |  | $0.00 | $18767.48 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37367984 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $4892.89 |  | XX.XX% | $5598.54 | $5598.54 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12814.03 | 1 | $11591.76 | $2861.04 | $965.98 | $238.42 |  |  |  |  |  | 44.537% | 44.537% | 44.537% | 7/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.750% | $10000.00 | 2.9 | DU |  | ApproveEligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $779244.35 | 58.330% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 100.65 |  | Yes | No |  | $0.00 | $9439.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31513721 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6075.99 | $10889.39 |  | XX.XX% | $9558.71 | $9558.71 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17655.15 | 1 | $15973.08 | $3575.04 | $1331.09 | $297.92 |  |  |  |  |  | 49.910% | 49.910% | 49.910% | 7/XX/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6075.99 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $373411.90 | 19.000% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.29 |  | Yes | No |  | $0.00 | $12649.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38481570 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4848.00 | $14520.02 |  | XX.XX% | $2506.64 | $2506.64 | 5.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12694.88 | 1 | $5517.72 | $1893.84 | $459.81 | $157.82 |  |  |  |  |  | 29.649% | 29.649% | 29.649% | 7/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 1040 - 2024<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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4848.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 5.875% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $3688601.17 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1115.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31512778 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $7049.35 |  | XX.XX% | $9364.55 | $9364.55 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36408.84 | 1 | $20814.24 | $2973.12 | $1734.52 | $247.76 |  |  |  |  |  | 33.956% | 33.956% | 33.956% | 7/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $978855.90 | 50.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 34.18 |  | No | No |  | $0.00 | $40295.03 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30409796 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6395.57 | $9747.27 |  | XX.XX% | $9120.74 | $9120.74 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17086.84 | 1 | $8801.16 | $2691.96 | $733.43 | $224.33 |  |  |  |  |  | 39.480% | 39.480% | 39.480% | 8/XX/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6395.57 |  | 6.750% | $0.00 | 2.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $588208.24 | 31.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.7 |  |  | No |  | $0.00 | $16500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30145459 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8487.20 | $3407.30 |  | XX.XX% | $8379.89 | $8379.89 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23155.85 | 1 | $8730.00 | $2367.96 | $727.50 | $197.33 |  |  |  |  |  | 45.336% | 45.336% | 45.336% | 7/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - K-1 (< 25%)]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8487.20 |  | 6.630% | $235000.00 | 4.6 | DU |  | ApproveIneligible | No | No | 6.750% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $278668.06 | 17.250% | No | 31 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.68 |  | Yes | No |  | $23610.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39562343 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $5744.78 |  | XX.XX% | $6654.62 | $6654.62 | 6.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22908.15 | 1 | $9044.04 | $2862.96 | $753.67 | $238.58 |  |  |  |  |  | 38.150% | 38.150% | 38.150% | 7/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; 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]; 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 - 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]; 4506-C - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $13502507.00 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1724.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31169187 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $17363.69 |  | XX.XX% | $14364.68 | $14364.68 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39577.00 | 1 | $16741.20 | $1548.48 | $1395.10 | $129.04 |  |  |  |  |  | 28.683% | 28.683% | 28.683% | 5/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2070.00 |  | 6.750% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1053680.02 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39650798 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $2931.11 |  | XX.XX% | $6038.49 | $6038.49 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31658.07 | 1 | $7406.64 | $5207.40 | $617.22 | $433.95 |  |  |  |  |  | 41.162% | 41.162% | 41.162% | 8/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 6.750% | $10000.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $488635.05 | 42.520% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.39 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31649351 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1615.00 | $7140.58 |  | XX.XX% | $13464.90 | $13464.90 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $64715.19 | 1 | $44432.04 | $9427.32 | $3702.67 | $785.61 |  |  |  |  |  | 28.426% | 28.426% | 28.426% | 7/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1615.00 |  | 6.630% | $7500.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.750% | 2 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $835457.10 | 32.190% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.16 |  | No | No |  | $0.00 | $15416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38653750 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10529.66 | $7735.82 |  | XX.XX% | $7567.82 | $7567.82 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14608.40 | 1 | $19525.56 | $2376.12 | $1627.13 | $198.01 |  |  |  |  |  | 45.792% | 45.792% | 45.792% | 7/XX/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10529.66 |  | 6.750% | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $466433.36 | 32.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.22 |  | Yes | No |  | $0.00 | $10161.15 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31783121 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $3163.91 |  | XX.XX% | $8116.69 | $8116.69 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21218.71 | 1 | $6470.28 | $3402.84 | $539.19 | $283.57 |  |  |  |  |  | 44.673% | 44.673% | 44.673% | 7/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | XXX | $1495.00 |  | 6.750% | $6000.00 | 2.2 | DU |  | ApproveIneligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1430007.74 | 93.770% | No | 32 | 1 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 125.26 |  | No | No |  | $0.00 | $20000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34347475 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $355.20 | $872.20 |  | XX.XX% | $3693.31 | $3693.31 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14631.60 | 1 | $10144.44 | $1945.20 | $845.37 | $162.10 |  |  |  |  |  | 36.153% | 36.153% | 36.153% | 7/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $355.20 |  | 6.750% | $0.00 | 3.8 | LP / LPA |  | Accept/Eligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $286704.61 | 38.740% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.97 |  | Yes | No |  | $0.00 | $9166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37688132 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9548.20 | $14226.14 |  | XX.XX% | $5854.66 | $5854.66 | 7.000% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $24690.30 | 1 | $5487.24 | $3657.00 | $457.27 | $304.75 |  |  |  |  |  | 46.168% | 46.168% | 46.168% | 7/XX/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 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 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9548.20 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 7.000% | 2 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $287225.25 | 26.110% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | 34.63 |  | No | No |  | $0.00 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33102673 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $1839.66 |  | XX.XX% | $8297.47 | $8297.47 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28129.87 | 1 | $23750.04 | $4904.04 | $1979.17 | $408.67 |  |  |  |  |  | 37.191% | 37.191% | 37.191% | 7/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2220.00 |  | 6.630% | $20000.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.375% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1702522.66 | 89.600% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 105.82 |  | Yes | No |  | $0.00 | $24500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36618642 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1945.00 | $4609.27 |  | XX.XX% | $6122.97 | $6122.97 | 6.625% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16234.80 | 1 | $9835.44 | $2665.44 | $819.62 | $222.12 |  |  |  |  |  | 42.888% | 42.888% | 42.888% | 7/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1945.00 |  | 6.610% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | 6.625% | 2 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $888045.13 | 69.650% | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 73.82 |  | Yes | No |  | $1371.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990554 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1885.00 | $3775.12 |  | XX.XX% | $5215.12 | $5215.12 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18011.80 | 1 | $8344.92 | $0.00 | $695.41 | $0.00 |  |  |  |  |  | 27.568% | 27.568% | 27.568% | 7/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1885.00 |  | 6.750% | $567000.00 | 4.4 | DU |  | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1050941.55 | 75.060% | No | 31 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 164.74 |  |  | No |  | $0.00 | $11665.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32594685 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2302.50 | $17365.55 |  | XX.XX% | $7742.83 | $7742.83 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17727.81 | 1 | $21875.04 | $5625.00 | $1822.92 | $468.75 |  |  |  |  |  | 49.858% | 49.858% | 49.858% | 7/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for 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 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2302.50 |  | 6.750% | $0.00 | 2.0 | DU |  | ApproveIneligible | No | No | 6.500% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1288725.89 | 73.640% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34115097 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2270.00 | $6629.59 |  | XX.XX% | $7806.04 | $7806.04 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14728.96 | 1 | $20545.56 | $7352.16 | $1712.13 | $612.68 |  |  |  |  |  | 47.240% | 47.240% | 47.240% | 7/XX/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2270.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $231527.79 | 12.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.75 |  | Yes | No |  | $0.00 | $20416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35612747 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $123.00 | $5538.46 |  | XX.XX% | $10660.81 | $10660.81 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34506.37 | 1 | $6072.12 | $4500.96 | $506.01 | $375.08 |  |  |  |  |  | 37.906% | 37.906% | 37.906% | 7/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 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 - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $123.00 |  | 6.540% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | 7.000% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $452428.28 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30091421 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23577.00 | $25865.46 |  | XX.XX% | $5323.84 | $5323.84 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12744.20 | 1 | $24849.60 | $10620.12 | $2070.80 | $885.01 |  |  |  |  |  | 39.993% | 39.993% | 39.993% | 8/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23577.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $775217.46 | 55.370% | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34463004 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23572.32 | $15610.95 |  | XX.XX% | $7635.28 | $7635.28 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27130.40 | 1 | $15251.16 | $4832.64 | $1270.93 | $402.72 |  |  |  |  |  | 34.206% | 34.206% | 34.206% | 8/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23572.32 |  | 6.750% | $25000.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | 6.000% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1358893.12 | 80.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 80.76 |  | No | No |  | $0.00 | $18929.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33794831 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11194.02 | $22571.71 |  | XX.XX% | $9647.52 | $9647.52 | 6.375% | No | No | Employed | Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $19204.60 | 1 | $23074.20 | $5346.96 | $1922.85 | $445.58 |  |  |  |  |  | 42.130% | 42.130% | 42.130% | 8/XX/2025 | 768 | 802 | 799 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | 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]; 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 | [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11194.02 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.375% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $638503.69 | 33.030% | No | 0 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 18.04 |  | Yes | No |  | $0.00 | $13185.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38964298 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $5516.75 |  | XX.XX% | $7875.82 | $7875.82 | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10967.13 | 1 | $5545.80 | $9829.68 | $462.15 | $819.14 |  |  |  |  |  | 48.289% | 48.289% | 48.289% | 5/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.570% | $0.00 | 4.7 | LP / LPA |  | Accept/Ineligible | No | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $51154.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.9 |  |  | No |  | $0.00 | $12041.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38081416 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $6813.24 |  | XX.XX% | $9580.56 | $9580.56 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19222.73 | 1 | $12308.64 | $2307.96 | $1025.72 | $192.33 |  |  |  |  |  | 44.853% | 44.853% | 44.853% | 7/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $641039.97 | 32.950% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.16 |  | No | No |  | $0.00 | $10260.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34329390 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $6427.86 |  | XX.XX% | $7291.72 | $7291.72 | 7.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14301.87 | 1 | $15358.92 | $8058.00 | $1279.91 | $671.50 |  |  |  |  |  | 39.527% | 39.527% | 39.527% | 7/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $444532.55 | 32.440% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 28.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36210300 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $10905.66 |  | XX.XX% | $9853.93 | $9853.93 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $64646.26 | 1 | $10820.76 | $7142.04 | $901.73 | $595.17 |  |  |  |  |  | 18.415% | 18.415% | 18.415% | 8/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1142948.80 | 60.950% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 62.95 |  | No | No |  | $0.00 | $11392.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30397406 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26986.18 | $22095.45 |  | XX.XX% | $5745.31 | $5745.31 | 5.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10100.02 | 1 | $2062.20 | $1996.92 | $171.85 | $166.41 |  |  |  |  |  | 42.161% | 42.161% | 42.161% | 7/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 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%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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 |  |  | XXX | $26986.18 |  | 6.750% | $25000.00 | 1.7 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30845222 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3973.91 | $25822.48 |  | XX.XX% | $5849.13 | $5849.13 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12551.43 | 1 | $4277.64 | $3249.96 | $356.47 | $270.83 |  |  |  |  |  | 47.774% | 47.774% | 47.774% | 7/XX/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3973.91 |  | 6.750% | $36000.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $352243.88 | 28.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.13 |  | No | No |  | $0.00 | $7916.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34990666 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $3076.26 |  | XX.XX% | $5173.71 | $5173.71 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31338.58 | 1 | $9478.44 | $2531.04 | $789.87 | $210.92 |  |  |  |  |  | 24.113% | 24.113% | 24.113% | 6/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $354725.70 | 35.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.96 |  | Yes | No |  | $0.00 | $19212.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30684704 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $35136.43 |  | XX.XX% | $9915.65 | $9915.65 | 5.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40154.73 | 1 | $24488.16 | $13129.08 | $2040.68 | $1094.09 |  |  |  |  |  | 29.118% | 29.118% | 29.118% | 7/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| 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%)]; Third Party Verification - 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]; 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]; 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 |  |  | XXX | $1890.00 |  | 6.750% | $1425.00 | 2.8 | DU |  | ApproveIneligible | Yes | No | 5.875% | 2 | 1 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $985335.43 | 44.080% | No |  | 8 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 27.18 |  | No | No |  | $0.00 | $29165.07 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30918595 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2240.00 | $3724.45 |  | XX.XX% | $7018.54 | $7018.54 | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13365.00 | 1 | $19134.96 | $3549.00 | $1594.58 | $295.75 |  |  |  |  |  | 43.667% | 43.667% | 43.667% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2240.00 |  | 6.750% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $53255.93 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38133218 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $4146.00 |  | XX.XX% | $10326.92 | $10326.92 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31742.54 | 1 | $21551.40 | $8364.96 | $1795.95 | $697.08 |  |  |  |  |  | 46.798% | 46.798% | 46.798% | 8/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.750% | $216825.86 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $288845.52 | 14.690% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32972377 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16553.50 | $316.79 |  | XX.XX% | $7019.18 | $7019.18 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36012.31 | 1 | $9096.72 | $6979.80 | $758.06 | $581.65 |  |  |  |  |  | 31.241% | 31.241% | 31.241% | 8/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16553.50 |  | 6.750% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $535690.06 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39153451 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35860.00 | $39011.81 |  | XX.XX% | $9481.02 | $9481.02 | 6.500% | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17771.16 | 1 | $37526.52 | $6816.84 | $3127.21 | $568.07 |  |  |  |  |  | 49.475% | 49.475% | 49.475% | 7/XX/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $35860.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $11022.16 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33098877 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1476.00 | $8945.15 |  | XX.XX% | $8546.15 | $8546.15 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44710.96 | 1 | $19225.20 | $3345.00 | $1602.10 | $278.75 |  |  |  |  |  | 22.560% | 22.560% | 22.560% | 8/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1476.00 |  | 6.750% | $7500.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $841687.71 | 48.510% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 44.5 |  | No | No |  | $0.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39350186 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1476.00 | $3940.80 |  | XX.XX% | $5096.88 | $5096.88 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11847.40 | 1 | $4911.36 | $4718.04 | $409.28 | $393.17 |  |  |  |  |  | 45.893% | 45.893% | 45.893% | 7/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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) - 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 |  |  | XXX | $1476.00 |  | 6.750% | $200000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.25 |  | Yes | No |  | $0.00 | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32894846 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8070.00 | $11328.90 |  | XX.XX% | $4968.84 | $4968.84 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12456.35 | 1 | $13493.76 | $3692.04 | $1124.48 | $307.67 |  |  |  |  |  | 40.210% | 40.210% | 40.210% | 5/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8070.00 |  | 6.750% | $1500.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $525363.51 | 40.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34491307 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4584.40 |  | XX.XX% | $12006.49 | $12006.49 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27941.36 | 1 | $33036.00 | $1155.12 | $2753.00 | $96.26 |  |  |  |  |  | 39.034% | 39.034% | 39.034% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.750% | $0.00 | 4.9 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $368498.64 | 12.920% | No | 31 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 38.56 |  | Yes | No |  | $0.00 | $13248.37 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34543333 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $6632.35 |  | XX.XX% | $12282.75 | $12282.75 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $33172.27 | 1 | $35030.04 | $2119.92 | $2919.17 | $176.66 |  |  |  |  |  | 43.118% | 43.118% | 43.118% | 8/XX/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<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]; Transcripts (1040) - 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]; 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<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.750% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $699691.66 | 28.430% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | 18.86 |  | No | No |  | $0.00 | $20000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31543249 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $2449.70 |  | XX.XX% | $9064.83 | $9064.83 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22272.10 | 1 | $16932.60 | $0.00 | $1411.05 | $0.00 |  |  |  |  |  | 33.811% | 33.811% | 33.811% | 8/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $102617.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.12 |  |  | No |  | $0.00 | $14528.15 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34709418 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $5786.28 |  | XX.XX% | $16460.18 | $16460.18 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47295.53 | 1 | $28032.96 | $3174.00 | $2336.08 | $264.50 |  |  |  |  |  | 40.638% | 40.638% | 40.638% | 8/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employment Offer - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 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 |  |  | XXX | $1640.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $2295788.88 | 69.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 84.72 |  | No | No |  | $31427.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39741978 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.32 | $12865.27 |  | XX.XX% | $8235.08 | $8235.08 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28146.70 | 1 | $7123.44 | $4343.76 | $593.62 | $361.98 |  |  |  |  |  | 35.299% | 35.299% | 35.299% | 8/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.32 |  | 6.750% | $101428.48 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $392027.30 | 23.750% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.83 |  | Yes | No |  | $0.00 | $20833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34184593 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11194.27 | $3300.05 |  | XX.XX% | $5941.57 | $5941.57 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18252.82 | 1 | $17340.36 | $1257.96 | $1445.03 | $104.83 |  |  |  |  |  | 44.661% | 44.661% | 44.661% | 6/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11194.27 |  | 6.750% | $16437.60 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.625% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $299706.92 | 25.830% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.89 |  | Yes | No |  | $0.00 | $10558.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34753645 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15445.00 | $24160.26 |  | XX.XX% | $4271.80 | $4271.80 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20243.80 | 1 | $3230.76 | $1203.96 | $269.23 | $100.33 |  |  |  |  |  | 49.910% | 49.910% | 49.910% | 7/XX/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<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]; 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]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15445.00 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $286171.55 | 30.120% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31340084 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25450.51 | $18088.95 |  | XX.XX% | $7536.35 | $7536.35 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19368.57 | 1 | $19381.80 | $2186.16 | $1615.15 | $182.18 |  |  |  |  |  | 38.665% | 38.665% | 38.665% | 8/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25450.51 |  | 6.750% | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $6617.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.21 |  |  | No |  | $0.00 | $14911.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33011095 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7478.00 | $9012.79 |  | XX.XX% | $8506.55 | $8506.55 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21866.56 | 1 | $15763.32 | $6063.00 | $1313.61 | $505.25 |  |  |  |  |  | 35.260% | 35.260% | 35.260% | 7/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7478.00 |  | 6.610% | $0.00 | 3.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $909171.62 | 51.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 46.23 |  |  | No |  | $0.00 | $10350.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31147046 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4640.00 | $7047.30 |  | XX.XX% | $6157.17 | $6157.17 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31811.54 | 1 | $14623.68 | $2580.96 | $1218.64 | $215.08 |  |  |  |  |  | 26.782% | 26.782% | 26.782% | 5/XX/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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 |  |  | XXX | $4640.00 |  | 6.620% | $3000.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 6/XX/2055 | $1707544.36 | 100.000% | No | 27 | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 184.59 |  |  | No |  | $0.00 | $33447.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38204837 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2500.00 | $8592.26 |  | XX.XX% | $6140.74 | $6140.74 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $65141.81 | 1 | $12214.44 | $1440.36 | $1017.87 | $120.03 |  |  |  |  |  | 26.366% | 26.366% | 26.366% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2500.00 |  | 6.750% | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | 7.000% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $519747.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 67.03 |  | No | No |  | $0.00 | $46800.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30925975 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.45 | $9717.60 |  | XX.XX% | $6819.89 | $6819.89 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29720.46 | 1 | $20327.88 | $7876.68 | $1693.99 | $656.39 |  |  |  |  |  | 32.396% | 32.396% | 32.396% | 8/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.45 |  | 6.750% | $2000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.000% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $628539.81 | 38.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.17 |  | Yes | No |  | $0.00 | $10629.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38621294 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $8235.00 |  | XX.XX% | $10713.48 | $10713.48 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16357.53 | 1 | $23444.88 | $1984.08 | $1953.74 | $165.34 |  |  |  |  |  | 44.115% | 44.115% | 44.115% | 8/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $85504.17 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 5.68 |  |  | No |  | $0.00 | $13559.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32554761 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $7340.72 |  | XX.XX% | $5344.39 | $5344.39 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36782.79 | 1 | $10342.68 | $2862.96 | $861.89 | $238.58 |  |  |  |  |  | 19.545% | 19.545% | 19.545% | 8/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.630% | $0.00 | 1.5 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $550.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33157901 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7709.00 | $7265.81 |  | XX.XX% | $3765.18 | $3765.18 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12070.85 | 1 | $7872.96 | $1745.04 | $656.08 | $145.42 |  |  |  |  |  | 30.606% | 30.606% | 30.606% | 8/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7709.00 |  | 6.630% | $15000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.000% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $305401.25 | 38.900% | No | 31 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 31.23 |  |  | No |  | $0.00 | $6730.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37987451 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $7342.17 |  | XX.XX% | $6003.24 | $6003.24 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20569.37 | 1 | $18660.00 | $1650.00 | $1555.00 | $137.50 |  |  |  |  |  | 30.075% | 30.075% | 30.075% | 7/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<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]; W-2 - 2023 | [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<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]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.750% | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No |  | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.89 |  |  | No |  | $0.00 | $8999.45 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39683699 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2195.00 | $4326.90 |  | XX.XX% | $7414.13 | $7414.13 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20981.42 | 1 | $5003.40 | $2619.96 | $416.95 | $218.33 |  |  |  |  |  | 29.682% | 29.682% | 29.682% | 6/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - 2024<br> [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]; 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]; 1040 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2195.00 |  | 6.630% | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | 7.000% | 0 | 0 | 3 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1101123.97 | 79.040% | 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 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 97.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33198947 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10910.00 | $13253.30 |  | XX.XX% | $5681.16 | $5681.16 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16570.13 | 1 | $12775.20 | $2363.04 | $1064.60 | $196.92 |  |  |  |  |  | 43.499% | 43.499% | 43.499% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10910.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $260345.20 | 21.970% | No | 16 | 9 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.89 |  | No | No |  | $0.00 | $8627.30 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34187808 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $7389.43 |  | XX.XX% | $4763.43 | $4763.43 | 6.000% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16721.60 | 1 | $4806.00 | $2555.04 | $400.50 | $212.92 |  |  |  |  |  | 49.975% | 49.975% | 49.975% | 8/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 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> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.750% | $5000.00 |  | DU |  | ApproveEligible | N/A | No | 6.000% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $354932.22 | 31.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.82 |  | No | No |  | $33426.71 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32292412 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16623.00 | $8072.81 |  | XX.XX% | $13002.87 | $13002.87 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30279.59 | 1 | $16419.36 | $11418.00 | $1368.28 | $951.50 |  |  |  |  |  | 36.276% | 36.276% | 36.276% | 8/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16623.00 |  | 6.630% | $0.00 | 4.0 | DU |  | ApproveIneligible | No | No | 6.125% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $872356.60 |  | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 56.86 |  |  | No |  | $0.00 | $25241.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30273283 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $5975.51 |  | XX.XX% | $5385.24 | $5385.24 | 6.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24386.67 | 1 | $13842.00 | $5080.80 | $1153.50 | $423.40 |  |  |  |  |  | 37.030% | 37.030% | 37.030% | 8/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 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 - 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]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.630% | $241271.25 | 3.3 | DU |  | ApproveIneligible | No | No | 6.375% | 3 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $690038.79 | 63.950% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 97.14 |  | Yes | No |  | $25361.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30420103 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $3892.06 |  | XX.XX% | $2182.96 | $2182.96 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18143.08 | 1 | $4218.60 | $903.00 | $351.55 | $75.25 |  |  |  |  |  | 22.657% | 22.657% | 22.657% | 7/XX/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.750% | $3800.00 |  | DU | Yes | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $212533.94 | 53.130% | No | 24 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.56 |  | No | No |  | $0.00 | $10174.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30303496 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1868.00 | $2957.32 |  | XX.XX% | $3321.58 | $3321.58 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14260.42 | 1 | $3546.12 | $1638.96 | $295.51 | $136.58 |  |  |  |  |  | 26.765% | 26.765% | 26.765% | 8/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 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 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1868.00 |  | 6.630% | $0.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $997483.88 | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 225.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35886183 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2420.00 | $8958.81 |  | XX.XX% | $9956.84 | $9956.84 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29239.70 | 1 | $25491.84 | $4427.04 | $2124.32 | $368.92 |  |  |  |  |  | 34.843% | 34.843% | 34.843% | 9/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2420.00 |  | 6.630% | $0.00 | 3.7 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $39501.91 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.07 |  |  | No |  | $0.00 | $20025.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34860321 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $5030.06 |  | XX.XX% | $6412.46 | $6412.46 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26068.77 | 1 | $5458.80 | $1202.04 | $454.90 | $100.17 |  |  |  |  |  | 31.969% | 31.969% | 31.969% | 8/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16195.00 |  | 6.630% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $479113.26 | 40.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30859419 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8094.98 | $10103.39 |  | XX.XX% | $7580.02 | $7580.02 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41907.73 | 1 | $7197.24 | $2631.00 | $599.77 | $219.25 |  |  |  |  |  | 32.039% | 32.039% | 32.039% | 8/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8094.98 |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $29217.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37450293 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5863.48 | $12449.44 |  | XX.XX% | $9131.09 | $9131.09 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12674.73 | 1 | $23170.20 | $1219.08 | $1930.85 | $101.59 |  |  |  |  |  | 49.992% | 49.992% | 49.992% | 8/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5863.48 |  | 6.630% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $25504.85 |  | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.64 |  |  | No |  | $0.00 | $12095.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36304830 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $6387.85 |  | XX.XX% | $3599.97 | $3599.97 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25294.32 | 1 | $5228.40 | $3320.88 | $435.70 | $276.74 |  |  |  |  |  | 41.206% | 41.206% | 41.206% | 8/XX/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.630% | $0.00 | 2.7 | DU |  | ApproveEligible | No | No | 6.875% | 2 |  | 1 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $231566.39 | 33.800% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.58 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39574780 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9168.25 | $11113.31 |  | XX.XX% | $2514.04 | $2514.04 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15024.02 | 1 | $5918.40 | $756.00 | $493.20 | $63.00 |  |  |  |  |  | 18.751% | 18.751% | 18.751% | 8/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9168.25 |  | 6.630% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $363435.14 | 54.650% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 34.28 |  |  | No |  | $0.00 | $5250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30741173 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9566.00 | $11265.99 |  | XX.XX% | $7388.61 | $7388.61 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  |  |  |  | $21578.71 | 1 | $24139.56 | $5030.04 | $2011.63 | $419.17 |  |  |  |  |  | 40.709% | 40.709% | 40.709% | 8/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9566.00 |  | 6.630% | $13970.00 | 2.9 | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $597471.30 | 39.830% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA |  |  |  | 27.48 |  | No | No |  | $0.00 | $18061.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33685272 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7800.60 | $10169.99 |  | XX.XX% | $5815.03 | $5815.03 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19935.96 | 1 | $12282.00 | $3608.04 | $1023.50 | $300.67 |  |  |  |  |  | 39.267% | 39.267% | 39.267% | 8/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7800.60 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $282588.93 | 24.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 3.34 |  | No | No |  | $0.00 | $12333.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31792736 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13324.97 | $14683.39 |  | XX.XX% | $4464.41 | $4464.41 | 6.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21029.60 | 1 | $11511.00 | $3608.04 | $959.25 | $300.67 |  |  |  |  |  | 36.830% | 36.830% | 36.830% | 6/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13324.97 |  | 6.610% | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | 6.375% | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $551654.76 | 54.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 37.22 |  | No | No |  | $14922.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38668060 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $7459.95 |  | XX.XX% | $10612.42 | $10612.42 | 6.500% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $21025.51 | 1 | $23250.00 | $1764.96 | $1937.50 | $147.08 |  |  |  |  |  | 39.123% | 39.123% | 39.123% | 8/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.610% | $0.00 | 1.3 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $68664.04 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 6.33 |  |  | No |  | $0.00 | $13704.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34638712 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4965.13 | $5035.60 |  | XX.XX% | $6181.14 | $6181.14 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22711.18 | 1 | $5129.28 | $8099.04 | $427.44 | $674.92 |  |  |  |  |  | 29.362% | 29.362% | 29.362% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4965.13 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1598733.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 219.5 |  |  | No |  | $0.00 | $12151.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36137536 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1685.00 | $5290.41 |  | XX.XX% | $5486.35 | $5486.35 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14829.19 | 1 | $4449.60 | $10478.04 | $370.80 | $873.17 |  |  |  |  |  | 41.888% | 41.888% | 41.888% | 8/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1685.00 |  | 6.630% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $295584.89 | 27.240% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.56 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33038840 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1750.00 | $6212.20 |  | XX.XX% | $6865.41 | $6865.41 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9437.04 | 1 | $14114.52 | $2250.00 | $1176.21 | $187.50 |  |  |  |  |  | 46.593% | 46.593% | 46.593% | 8/XX/2025 | 829 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1750.00 |  | 6.630% | $0.00 | 3.4 | DU |  | ApproveEligible | Yes | No | 6.750% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $64874.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31212160 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10418.32 | $4052.95 |  | XX.XX% | $5683.87 | $5683.87 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10765.97 | 1 | $10723.92 | $3612.96 | $893.66 | $301.08 |  |  |  |  |  | 48.401% | 48.401% | 48.401% | 8/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10418.32 |  | 6.610% | $294000.00 | 1.4 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.500% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $47177.18 | 3.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 5 |  | No | No |  | $0.00 | $6083.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35118869 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6544.92 | $8214.34 |  | XX.XX% | $3191.10 | $3191.10 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11907.54 | 1 | $3459.12 | $945.96 | $288.26 | $78.83 |  |  |  |  |  | 42.825% | 42.825% | 42.825% | 8/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6544.92 |  | 6.610% | $6150.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $505381.90 | 82.170% | No | 79 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 102.66 |  | No | No |  | $0.00 | $8283.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39809442 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1965.00 | $19145.49 |  | XX.XX% | $7139.42 | $7139.42 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10246.84 | 1 | $4185.96 | $2082.96 | $348.83 | $173.58 |  |  |  |  |  | 43.592% | 43.592% | 43.592% | 8/XX/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1965.00 |  | 6.610% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 |  | 1 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36820921 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $5955.15 |  | XX.XX% | $7108.64 | $7108.64 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18799.49 | 1 | $21929.40 | $4190.40 | $1827.45 | $349.20 |  |  |  |  |  | 49.985% | 49.985% | 49.985% | 7/XX/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1770.00 |  | 6.750% | $19821.58 |  | DU |  | ApproveIneligible | No | No | 6.750% | 2 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $370458.54 | 27.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.49 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32669414 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $1180.89 |  | XX.XX% | $6712.34 | $6712.34 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14653.91 | 1 | $6552.60 | $1216.92 | $546.05 | $101.41 |  |  |  |  |  | 42.150% | 42.150% | 42.150% | 8/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.610% | $16500.00 | 3.5 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $343847.93 | 26.920% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.88 |  |  | No |  | $0.00 | $9539.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32421532 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11065.00 | $14599.00 |  | XX.XX% | $5735.84 | $5735.84 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18967.60 | 1 | $9011.16 | $1134.96 | $750.93 | $94.58 |  |  |  |  |  | 27.044% | 27.044% | 27.044% | 8/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11065.00 |  | 6.610% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $418028.14 | 32.740% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.82 |  |  | No |  | $0.00 | $13081.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30382893 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4195.04 | $5645.76 |  | XX.XX% | $5510.67 | $5510.67 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25392.50 | 1 | $8902.08 | $5600.04 | $741.84 | $466.67 |  |  |  |  |  | 22.644% | 22.644% | 22.644% | 8/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4195.04 |  | 6.610% | $0.00 | 4.0 | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $70573.33 |  | No | 29 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.38 |  |  | No |  | $0.00 | $8867.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34992687 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7732.86 | $13036.05 |  | XX.XX% | $6790.85 | $6790.85 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15431.62 | 1 | $17937.48 | $2082.00 | $1494.79 | $173.50 |  |  |  |  |  | 37.085% | 37.085% | 37.085% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7732.86 |  | 6.610% | $0.00 | 2.7 | DU |  | ApproveEligible | No | No | 5.875% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $404696.49 | 28.200% | No | 12 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.03 |  |  | No |  | $0.00 | $15740.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30987845 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10906.00 | $18647.05 |  | XX.XX% | $10492.33 | $10492.33 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26689.98 | 1 | $25937.52 | $2892.96 | $2161.46 | $241.08 |  |  |  |  |  | 42.803% | 42.803% | 42.803% | 8/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10906.00 |  | 6.610% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | 6.500% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1390112.32 | 66.990% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31177352 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17265.00 | $17497.88 |  | XX.XX% | $6894.83 | $6894.83 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8170.51 | 1 | $11774.88 | $2049.00 | $981.24 | $170.75 |  |  |  |  |  | 49.977% | 49.977% | 49.977% | 8/XX/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17265.00 |  | 6.610% | $15000.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $466660.14 | 31.110% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38961157 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $50.00 | $37510.32 |  | XX.XX% | $6359.36 | $6359.36 | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9194.60 | 1 | $3933.36 | $2934.96 | $327.78 | $244.58 |  |  |  |  |  | 49.596% | 49.596% | 49.596% | 7/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 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]; Account Transcripts - 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]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $50.00 |  | 6.610% | $19516.92 | 2.9 | DU |  | ApproveIneligible | No | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $292221.39 | 27.310% | No | 6 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.82 |  |  | No |  | $5019.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33892927 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35970.40 | $55416.39 |  | XX.XX% | $10107.29 | $10107.29 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $83639.52 | 1 | $7277.04 | $2262.96 | $606.42 | $188.58 |  |  |  |  |  | 13.097% | 13.097% | 13.097% | 8/XX/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | XXX | $35970.40 |  | 6.610% | $0.00 |  | DU |  | ApproveIneligible | No | No | 7.625% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $209899.00 | 12.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38445000 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2385.00 | $4361.90 |  | XX.XX% | $2989.61 | $2989.61 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $60837.42 | 1 | $6624.60 | $3001.56 | $552.05 | $250.13 |  |  |  |  |  | 17.667% | 17.667% | 17.667% | 8/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2385.00 |  | 6.610% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $96839.81 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 25.34 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31431672 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $33422.95 |  | XX.XX% | $14492.68 | $14492.68 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28489.12 | 1 | $34230.36 | $5952.00 | $2852.53 | $496.00 |  |  |  |  |  | 49.955% | 49.955% | 49.955% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<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]; 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]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.610% | $25000.00 | 2.1 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 0 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $903305.38 | 29.130% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 36.02 |  | Yes | No |  | $0.00 | $30333.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37102520 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $28035.00 | $35310.96 |  | XX.XX% | $5930.28 | $5930.28 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20355.37 | 1 | $13444.92 | $1568.04 | $1120.41 | $130.67 |  |  |  |  |  | 35.821% | 35.821% | 35.821% | 8/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $28035.00 |  | 6.610% | $90000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.125% | 1 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $267218.05 | 21.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33220050 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2692.12 | $4498.28 |  | XX.XX% | $6096.30 | $6096.30 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18408.97 | 1 | $13506.00 | $882.96 | $1125.50 | $73.58 |  |  |  |  |  | 35.969% | 35.969% | 35.969% | 5/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2692.12 |  | 6.800% | $0.00 | 3.7 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $737063.85 | 63.410% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39111386 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26875.00 | $37816.05 |  | XX.XX% | $14972.88 | $14972.88 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37815.76 | 1 | $35821.20 | $1751.04 | $2985.10 | $145.92 |  |  |  |  |  | 39.893% | 39.893% | 39.893% | 7/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26875.00 |  | 6.610% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 6.375% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $521259.23 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33907298 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7678.62 | $10486.33 |  | XX.XX% | $9551.23 | $9551.23 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $64044.39 | 1 | $17445.36 | $4804.80 | $1453.78 | $400.40 |  |  |  |  |  | 18.951% | 18.951% | 18.951% | 8/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7678.62 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34890831 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3539.00 | $6684.69 |  | XX.XX% | $3152.47 | $3152.47 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28347.33 | 1 | $11730.84 | $2316.84 | $977.57 | $193.07 |  |  |  |  |  | 14.958% | 14.958% | 14.958% | 8/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 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 |  |  | XXX | $3539.00 |  | 6.610% | $7692.84 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.250% | 2 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $237200.35 | 37.060% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31734641 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $3801.27 |  | XX.XX% | $9101.78 | $9101.78 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12990.66 | 1 | $2891.04 | $3833.04 | $240.92 | $319.42 |  |  |  |  |  | 43.660% | 43.660% | 43.660% | 8/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.610% | $0.00 | 1.9 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $999098.46 | 55.500% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35178250 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1875.00 | $2141.28 |  | XX.XX% | $6157.17 | $6157.17 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42022.94 | 1 | $3942.00 | $2292.96 | $328.50 | $191.08 |  |  |  |  |  | 21.892% | 21.892% | 21.892% | 8/XX/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1875.00 |  | 6.610% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $401030.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 30.86 |  | No | No |  | $0.00 | $18385.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31487220 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2970.00 | $6877.33 |  | XX.XX% | $7318.33 | $7318.33 | 7.000% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33158.00 | 1 | $7652.28 | $2523.00 | $637.69 | $210.25 |  |  |  |  |  | 35.621% | 35.621% | 35.621% | 7/XX/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 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) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| 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%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<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]; Tax Return Extension - 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2970.00 |  | 6.610% | $0.00 |  | DU |  | ApproveIneligible | No | No | 7.000% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $51504.46 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35650872 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $5596.69 |  | XX.XX% | $8854.01 | $8854.01 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13597.63 | 1 | $21710.88 | $1476.12 | $1809.24 | $123.01 |  |  |  |  |  | 49.074% | 49.074% | 49.074% | 8/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 6.610% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1621953.33 | 89.610% | No | 31 | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 114.72 |  | No | No |  | $0.00 | $10754.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39833921 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8594.24 | $11566.85 |  | XX.XX% | $5201.15 | $5201.15 | 6.125% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15398.65 | 1 | $6439.80 | $2335.92 | $536.65 | $194.66 |  |  |  |  |  | 49.537% | 49.537% | 49.537% | 8/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8594.24 |  | 6.570% | $0.00 | 3.1 | DU |  | ApproveEligible | No | No | 6.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2810930.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 473.7 |  | No | No |  | $12668.34 | $17846.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35493956 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2840.00 | $5283.43 |  | XX.XX% | $7918.60 | $7918.60 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38009.41 | 1 | $16929.84 | $3213.96 | $1410.82 | $267.83 |  |  |  |  |  | 36.890% | 36.890% | 36.890% | 8/XX/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 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 |  |  | XXX | $2840.00 |  | 6.610% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 7.500% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $18026.85 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36161065 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $2608.20 |  | XX.XX% | $5972.46 | $5972.46 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18545.30 | 1 | $13856.28 | $3183.00 | $1154.69 | $265.25 |  |  |  |  |  | 32.923% | 32.923% | 32.923% | 8/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.310% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | 6.250% | 1 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $30580.17 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.59 |  | No | No |  | $0.00 | $11081.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35677457 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6195.04 | $12296.99 |  | XX.XX% | $4679.45 | $4679.45 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16834.36 | 1 | $11874.96 | $1485.12 | $989.58 | $123.76 |  |  |  |  |  | 27.585% | 27.585% | 27.585% | 8/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6195.04 |  | 6.630% | $9289.99 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $160089.46 | 16.850% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 0.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34976287 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $3476.24 |  | XX.XX% | $5394.82 | $5394.82 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12914.73 | 1 | $13721.28 | $1940.04 | $1143.44 | $161.67 |  |  |  |  |  | 36.744% | 36.744% | 36.744% | 8/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.540% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $220524.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 30.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33559537 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $36207.14 | $59806.27 |  | XX.XX% | $9534.80 | $9534.80 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26992.43 | 1 | $20812.56 | $5205.48 | $1734.38 | $433.79 |  |  |  |  |  | 30.404% | 30.404% | 30.404% | 8/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1040 - 2024<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $36207.14 |  | 6.630% | $25000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 7.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $482874.22 | 29.000% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32553768 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1883.00 | $5652.21 |  | XX.XX% | $7938.77 | $7938.77 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $51624.59 | 1 | $8413.56 | $6576.84 | $701.13 | $548.07 |  |  |  |  |  | 22.491% | 22.491% | 22.491% | 8/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1883.00 |  | 6.630% | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $969377.72 | 61.740% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39092659 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1987.04 | $5109.45 |  | XX.XX% | $5673.70 | $5673.70 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $77156.94 | 1 | $18097.08 | $2907.24 | $1508.09 | $242.27 |  |  |  |  |  | 15.831% | 15.831% | 15.831% | 8/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1987.04 |  | 6.630% | $0.00 | 3.3 | DU |  | ApproveIneligible | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $566354.00 | 51.480% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38850400 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6194.49 | $8794.29 |  | XX.XX% | $3944.10 | $3944.10 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13455.37 | 1 | $9893.28 | $3127.56 | $824.44 | $260.63 |  |  |  |  |  | 45.546% | 45.546% | 45.546% | 8/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.49 |  | 6.630% | $10000.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.500% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $579260.66 | 74.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36214137 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7195.00 | $2485.13 |  | XX.XX% | $7486.44 | $7486.44 | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14107.50 | 1 | $28685.64 | $4223.04 | $2390.47 | $351.92 |  |  |  |  |  | 44.794% | 44.794% | 44.794% | 8/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7195.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $435618.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 14.73 |  |  | No |  | $0.00 | $10366.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37897607 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10270.00 | $16375.76 |  | XX.XX% | $6098.16 | $6098.16 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17550.01 | 1 | $10502.40 | $2675.52 | $875.20 | $222.96 |  |  |  |  |  | 35.200% | 35.200% | 35.200% | 8/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10270.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $725.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35498531 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2040.00 | $12765.35 |  | XX.XX% | $12664.56 | $12664.56 | 6.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $26197.49 | 1 | $35448.84 | $1811.04 | $2954.07 | $150.92 |  |  |  |  |  | 37.637% | 37.637% | 37.637% | 8/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2040.00 |  | 6.630% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1861253.79 | 64.180% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 61.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33005840 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6156.58 | $12668.44 |  | XX.XX% | $17395.89 | $17395.89 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25474.61 | 1 | $47499.96 | $2473.20 | $3958.33 | $206.10 |  |  |  |  |  | 48.590% | 48.590% | 48.590% | 9/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6156.58 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $267234.81 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.39 |  |  | No |  | $0.00 | $19833.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36186778 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.08 | $13097.30 |  | XX.XX% | $5839.64 | $5839.64 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13604.21 | 1 | $9614.16 | $2137.56 | $801.18 | $178.13 |  |  |  |  |  | 44.669% | 44.669% | 44.669% | 8/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.08 |  | 6.630% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | 6.625% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1076877.01 | 94.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31296288 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8490.33 | $12936.02 |  | XX.XX% | $8546.15 | $8546.15 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28195.19 | 1 | $36465.00 | $3009.96 | $3038.75 | $250.83 |  |  |  |  |  | 32.019% | 32.019% | 32.019% | 8/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  | XXX | $8490.33 |  | 6.630% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.250% | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $525000.00 | 30.250% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37841070 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1845.00 | $5779.34 |  | XX.XX% | $12085.37 | $12085.37 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37897.54 | 1 | $29810.04 | $12225.00 | $2484.17 | $1018.75 |  |  |  |  |  | 30.849% | 30.849% | 30.849% | 8/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1845.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.125% | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $590203.94 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 36.58 |  | No | No |  | $0.00 | $29489.98 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34676589 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $4505.16 |  | XX.XX% | $7752.21 | $7752.21 | 6.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18832.79 | 1 | $19437.60 | $3600.00 | $1619.80 | $300.00 |  |  |  |  |  | 37.418% | 37.418% | 37.418% | 8/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.630% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $108713.28 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.63 |  |  | No |  | $0.00 | $14676.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35086608 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2250.00 | $7324.20 |  | XX.XX% | $5659.76 | $5659.76 | 6.000% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9746.49 | 1 | $13547.64 | $5631.96 | $1128.97 | $469.33 |  |  |  |  |  | 47.754% | 47.754% | 47.754% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2250.00 |  | 6.630% | $10000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.000% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $273874.26 | 23.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.15 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38737476 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $10076.21 |  | XX.XX% | $7659.52 | $7659.52 | 6.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17677.75 | 1 | $16270.80 | $14892.00 | $1355.90 | $1241.00 |  |  |  |  |  | 39.040% | 39.040% | 39.040% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; 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%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| 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<br> [Coborrower]; 4506-C - 2024<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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16195.00 |  | 6.630% | $0.00 | 3.8 | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $515.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $6684.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38873964 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24143.20 | $30816.08 |  | XX.XX% | $7299.54 | $7299.54 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22337.25 | 1 | $17812.56 | $3263.16 | $1484.38 | $271.93 |  |  |  |  |  | 41.724% | 41.724% | 41.724% | 8/XX/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - \| 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]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2020 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24143.20 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.625% | 1 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $5748.11 | 0.400% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34073382 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11073.49 | $18375.84 |  | XX.XX% | $7905.01 | $7905.01 | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16715.99 | 1 | $5166.72 | $1346.04 | $430.56 | $112.17 |  |  |  |  |  | 43.638% | 43.638% | 43.638% | 8/XX/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11073.49 |  | 6.630% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | 6.125% | 0 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $46174.97 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.3 |  | No | No |  | $0.00 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31598527 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.19 | $10543.47 |  | XX.XX% | $6329.57 | $6329.57 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38323.41 | 1 | $27721.44 | $5393.28 | $2310.12 | $449.44 |  |  |  |  |  | 31.836% | 31.836% | 31.836% | 8/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.19 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 0 | 3 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $213460.36 | 16.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35139155 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $4417.06 |  | XX.XX% | $13620.56 | $13620.56 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28146.89 | 1 | $21995.16 | $6158.04 | $1832.93 | $513.17 |  |  |  |  |  | 47.718% | 47.718% | 47.718% | 8/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.540% | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.750% | 2 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1245726.31 | 44.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 31.89 |  | No | No |  | $8000.00 | $31666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36190560 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6195.40 | $16245.15 |  | XX.XX% | $6649.75 | $6649.75 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24938.24 | 1 | $20312.52 | $3518.04 | $1692.71 | $293.17 |  |  |  |  |  | 36.924% | 36.924% | 36.924% | 7/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-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]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6195.40 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 6.250% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $836155.88 | 51.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30792407 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15195.00 | $4045.03 |  | XX.XX% | $7941.93 | $7941.93 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22386.84 | 1 | $19293.12 | $3701.04 | $1607.76 | $308.42 |  |  |  |  |  | 37.234% | 37.234% | 37.234% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| 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 |  |  | XXX | $15195.00 |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.500% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $9012.90 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38934098 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16224.08 | $21062.87 |  | XX.XX% | $6263.65 | $6263.65 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10306.82 | 1 | $3406.20 | $1784.04 | $283.85 | $148.67 |  |  |  |  |  | 41.104% | 41.104% | 41.104% | 8/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16224.08 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31102213 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $14568.43 |  | XX.XX% | $5359.74 | $5359.74 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19494.59 | 1 | $3264.00 | $2226.96 | $272.00 | $185.58 |  |  |  |  |  | 25.735% | 25.735% | 25.735% | 8/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.125% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $200679.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 34.23 |  | No | No |  | $0.00 | $13333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31192446 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1480.00 | $3411.40 |  | XX.XX% | $6926.82 | $6926.82 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19024.32 | 1 | $18678.72 | $1710.72 | $1556.56 | $142.56 |  |  |  |  |  | 37.084% | 37.084% | 37.084% | 8/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1480.00 |  | 6.320% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | 6.250% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $34756.12 |  | No | 32 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.03 |  | No | No |  | $0.00 | $14712.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30557298 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $7200.86 |  | XX.XX% | $9803.80 | $9803.80 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14805.59 | 1 | $19630.44 | $1178.04 | $1635.87 | $98.17 |  |  |  |  |  | 44.139% | 44.139% | 44.139% | 9/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.630% | $0.00 | 1.5 | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $152973.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.41 |  |  | No |  | $0.00 | $9366.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35935612 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17100.00 | $20446.13 |  | XX.XX% | $9358.13 | $9358.13 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33414.86 | 1 | $23492.04 | $6881.04 | $1957.67 | $573.42 |  |  |  |  |  | 33.906% | 33.906% | 33.906% | 8/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Tax Return Extension (for Business) - 2023<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 - 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%)]; Tax Return Extension (for Business) - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17100.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $425242.77 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34183703 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13435.00 | $13895.48 |  | XX.XX% | $7636.17 | $7636.17 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28982.34 | 1 | $8262.00 | $2319.00 | $688.50 | $193.25 |  |  |  |  |  | 35.668% | 35.668% | 35.668% | 8/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13435.00 |  | 6.220% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1798357.61 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 208.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34364361 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14075.00 | $18616.80 |  | XX.XX% | $7619.01 | $7619.01 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19399.28 | 1 | $10341.60 | $15459.00 | $861.80 | $1288.25 |  |  |  |  |  | 34.425% | 34.425% | 34.425% | 9/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14075.00 |  | 6.570% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $274566.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33388474 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1295.00 | $2273.99 |  | XX.XX% | $6034.01 | $6034.01 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23961.27 | 1 | $21503.40 | $1697.64 | $1791.95 | $141.47 |  |  |  |  |  | 33.433% | 33.433% | 33.433% | 8/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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 |  |  | XXX | $1295.00 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $248193.59 | 18.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.25 |  |  | No |  | $0.00 | $16412.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36966748 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $10929.62 |  | XX.XX% | $7746.18 | $7746.18 | 6.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32402.87 | 1 | $20616.96 | $3843.00 | $1718.08 | $320.25 |  |  |  |  |  | 37.812% | 37.812% | 37.812% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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> [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]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.610% | $0.00 | 2.3 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $466699.23 | 25.960% | No |  | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.68 |  | Yes | No |  | $0.00 | $8471.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39100144 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11229.22 | $15302.89 |  | XX.XX% | $7721.34 | $7721.34 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22339.62 | 1 | $7015.68 | $3401.04 | $584.64 | $283.42 |  |  |  |  |  | 38.850% | 38.850% | 38.850% | 9/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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%)]; 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]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $11229.22 |  | 6.570% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.500% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $93556.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32279068 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.08 | $5534.91 |  | XX.XX% | $5676.91 | $5676.91 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17442.52 | 1 | $6897.36 | $2943.96 | $574.78 | $245.33 |  |  |  |  |  | 29.521% | 29.521% | 29.521% | 9/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.08 |  | 6.570% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $92858.59 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.99 |  |  | No |  | $0.00 | $10413.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32224208 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2635.00 |  | XX.XX% | $6349.53 | $6349.53 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19729.40 | 1 | $11037.96 | $1215.00 | $919.83 | $101.25 |  |  |  |  |  | 27.705% | 27.705% | 27.705% | 9/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.540% | $0.00 | 3.4 | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $110960.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.34 |  |  | No |  | $0.00 | $9956.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38523062 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11093.80 | $11751.75 |  | XX.XX% | $8871.11 | $8871.11 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17834.08 | 1 | $14148.72 | $1908.00 | $1179.06 | $159.00 |  |  |  |  |  | 36.498% | 36.498% | 36.498% | 8/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 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 |  |  | XXX | $11093.80 |  | 6.570% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 6.125% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $100889.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 9.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35831512 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4995.97 | $9322.75 |  | XX.XX% | $2994.08 | $2994.08 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22183.83 | 1 | $5878.68 | $3939.96 | $489.89 | $328.33 |  |  |  |  |  | 37.550% | 37.550% | 37.550% | 9/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4995.97 |  | 6.570% | $8000.00 | 1.3 | DU |  | ApproveEligible | N/A | No | 6.375% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $402846.29 | 67.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37578302 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21385.40 | $26926.84 |  | XX.XX% | $8596.13 | $8596.13 | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32185.71 | 1 | $21249.96 | $3255.00 | $1770.83 | $271.25 |  |  |  |  |  | 28.571% | 28.571% | 28.571% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $21385.40 |  | 6.570% | $15000.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $505461.22 | 29.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.4 |  |  | No |  | $0.00 | $30250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34819364 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2190.00 | $10880.94 |  | XX.XX% | $9308.59 | $9308.59 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21609.81 | 1 | $23937.48 | $1736.04 | $1994.79 | $144.67 |  |  |  |  |  | 41.071% | 41.071% | 41.071% | 8/XX/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2190.00 |  | 6.540% | $6500.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $770235.98 | 40.220% | 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 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.38 |  | No | No |  | $0.00 | $21062.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30012008 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8209.12 | $8588.20 |  | XX.XX% | $3343.94 | $3343.94 | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15586.43 | 1 | $1339.08 | $2139.96 | $111.59 | $178.33 |  |  |  |  |  | 29.153% | 29.153% | 29.153% | 9/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8209.12 |  | 6.570% | $200.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $117220.11 | 17.490% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33925336 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2080.00 | $3260.49 |  | XX.XX% | $6891.11 | $6891.11 | 6.250% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | Iran (Islamic Republic of) |  |  | $17271.83 | 1 | $16624.32 | $3603.00 | $1385.36 | $300.25 |  |  |  |  |  | 41.105% | 41.105% | 41.105% | 8/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2080.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $13213.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Employment Authorization |  |  | No | 1.54 |  | No | No |  | $0.00 | $7280.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34646857 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5040.00 | $6038.16 |  | XX.XX% | $3185.62 | $3185.62 | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21905.57 | 1 | $4629.96 | $1926.00 | $385.83 | $160.50 |  |  |  |  |  | 30.018% | 30.018% | 30.018% | 9/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 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 - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5040.00 |  | 6.570% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.500% | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $365724.37 | 58.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 59.92 |  | No | No |  | $0.00 | $7855.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33649842 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7311.50 | $14517.00 |  | XX.XX% | $9955.07 | $9955.07 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18195.71 | 1 | $28619.52 | $4716.00 | $2384.96 | $393.00 |  |  |  |  |  | 49.381% | 49.381% | 49.381% | 9/XX/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7311.50 |  | 6.310% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $308783.17 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.66 |  | No | No |  | $0.00 | $21651.38 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35400181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9395.00 | $11960.81 |  | XX.XX% | $4916.31 | $4916.31 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24424.71 | 1 | $6191.88 | $2411.04 | $515.99 | $200.92 |  |  |  |  |  | 21.358% | 21.358% | 21.358% | 6/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9395.00 |  | 6.570% | $1500.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $415957.75 | 35.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36696531 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13124.36 | $16606.49 |  | XX.XX% | $6650.27 | $6650.27 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12073.37 | 1 | $11022.72 | $1257.96 | $918.56 | $104.83 |  |  |  |  |  | 40.487% | 40.487% | 40.487% | 8/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13124.36 |  | 6.570% | $0.00 | 5.0 | LP / LPA |  | Accept/Eligible | No | No | 6.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $35488.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37676066 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15970.00 | $20379.92 |  | XX.XX% | $5826.65 | $5826.65 | 5.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10923.71 | 1 | $3131.64 | $2504.04 | $260.97 | $208.67 |  |  |  |  |  | 38.773% | 38.773% | 38.773% | 8/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<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%)]; 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15970.00 |  | 6.570% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 5.875% | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1620.72 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39323692 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11971.05 | $10978.02 |  | XX.XX% | $7335.04 | $7335.04 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32444.64 | 1 | $10207.80 | $6020.04 | $850.65 | $501.67 |  |  |  |  |  | 21.394% | 21.394% | 21.394% | 9/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11971.05 |  | 6.220% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $34222.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32744878 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2265.00 | $5027.98 |  | XX.XX% | $6175.86 | $6175.86 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16601.47 | 1 | $24451.68 | $1574.16 | $2037.64 | $131.18 |  |  |  |  |  | 43.081% | 43.081% | 43.081% | 8/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2265.00 |  | 6.570% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $610.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35239397 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5894.48 | $6591.44 |  | XX.XX% | $9507.26 | $9507.26 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26516.69 | 1 | $27546.12 | $4340.04 | $2295.51 | $361.67 |  |  |  |  |  | 31.667% | 31.667% | 31.667% | 9/XX/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5894.48 |  | 6.570% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 5.875% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $137034.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31465547 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6188.61 | $13537.88 |  | XX.XX% | $8318.76 | $8318.76 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $83626.22 | 1 | $38552.88 | $1400.76 | $3212.74 | $116.73 |  |  |  |  |  | 18.387% | 18.387% | 18.387% | 9/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6188.61 |  | 6.570% | $25000.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 6.000% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $6268477.34 | 100.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 462.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39991895 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5271.28 | $13853.75 |  | XX.XX% | $12091.45 | $12091.45 | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31934.20 | 1 | $19809.12 | $2432.28 | $1650.76 | $202.69 |  |  |  |  |  | 33.139% | 33.139% | 33.139% | 9/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<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]; 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]; 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 |  |  | XXX | $5271.28 |  | 6.570% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | 6.125% | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $240570.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 16.06 |  | No | No |  | $0.00 | $16338.56 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32456649 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12454.60 | $8608.02 |  | XX.XX% | $9607.43 | $9607.43 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22234.51 | 1 | $3664.08 | $4879.44 | $305.34 | $406.62 |  |  |  |  |  | 44.958% | 44.958% | 44.958% | 8/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12454.60 |  | 6.570% | $6000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $695664.45 | 36.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.81 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32802251 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $9663.66 |  | XX.XX% | $10110.20 | $10110.20 | 6.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30373.41 | 1 | $25245.00 | $2472.24 | $2103.75 | $206.02 |  |  |  |  |  | 40.122% | 40.122% | 40.122% | 9/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.570% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $160579.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.89 |  | No | No |  | $11672.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038328 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $6972.88 |  | XX.XX% | $5302.89 | $5302.89 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17832.71 | 1 | $8384.16 | $1614.12 | $698.68 | $134.51 |  |  |  |  |  | 26.317% | 26.317% | 26.317% | 7/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $427235.91 | 37.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.38 |  |  | No |  | $0.00 | $5810.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39455619 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11612.50 | $13267.94 |  | XX.XX% | $6006.02 | $6006.02 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7488.08 | 1 | $8581.80 | $2952.00 | $715.15 | $246.00 |  |  |  |  |  | 48.494% | 48.494% | 48.494% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11612.50 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $53366.36 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37710885 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7789.56 | $14850.11 |  | XX.XX% | $7914.07 | $7914.07 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $65585.23 | 1 | $9768.00 | $5700.00 | $814.00 | $475.00 |  |  |  |  |  | 39.355% | 39.355% | 39.355% | 9/XX/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7789.56 |  | 6.570% | $30000.00 |  | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $753654.21 | 45.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31559488 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2691.27 | $4731.78 |  | XX.XX% | $8645.95 | $8645.95 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18872.76 | 1 | $7083.00 | $1706.04 | $590.25 | $142.17 |  |  |  |  |  | 37.179% | 37.179% | 37.179% | 9/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2691.27 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $95189.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35438816 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2665.00 | $9140.42 |  | XX.XX% | $8671.46 | $8671.46 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38038.16 | 1 | $5706.36 | $2596.56 | $475.53 | $216.38 |  |  |  |  |  | 30.028% | 30.028% | 30.028% | 6/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| 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%)]; 4506-C (for Business) - 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%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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) - \| 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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| 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]; 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 |  |  | XXX | $2665.00 |  | 6.570% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 6.875% | 1 | 1 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $578001.42 | 34.420% | 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 98 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.67 |  | Yes | No |  | $27232.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34020570 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15136.12 | $7495.39 |  | XX.XX% | $7831.92 | $7831.92 | 6.250% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $21376.44 | 1 | $19875.00 | $1781.04 | $1656.25 | $148.42 |  |  |  |  |  | 40.144% | 40.144% | 40.144% | 9/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15136.12 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $44134.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 3.61 |  | No | No |  | $0.00 | $17124.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37764852 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12450.26 | $16771.45 |  | XX.XX% | $6748.10 | $6748.10 | 6.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14510.63 | 1 | $7145.28 | $4707.00 | $595.44 | $392.25 |  |  |  |  |  | 37.265% | 37.265% | 37.265% | 9/XX/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12450.26 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $156216.83 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.88 |  | No | No |  | $0.00 | $18159.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36916313 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11143.41 | $12171.46 |  | XX.XX% | $8015.34 | $8015.34 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21957.36 | 1 | $26698.32 | $2028.00 | $2224.86 | $169.00 |  |  |  |  |  | 32.436% | 32.436% | 32.436% | 9/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11143.41 |  | 6.540% | $0.00 | 1.5 | LP / LPA |  | Accept/Ineligible | Yes | No | 5.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $437389.11 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 42.01 |  |  | No |  | $0.00 | $15418.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33462732 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8539.79 | $7916.37 |  | XX.XX% | $6720.96 | $6720.96 | 6.000% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29414.53 | 1 | $7884.96 | $1602.36 | $657.08 | $133.53 |  |  |  |  |  | 21.566% | 21.566% | 21.566% | 9/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8539.79 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $323939.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 26.73 |  |  | No |  | $0.00 | $37502.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39353723 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8195.02 | $7747.73 |  | XX.XX% | $6428.09 | $6428.09 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17525.73 | 1 | $16899.24 | $3995.04 | $1408.27 | $332.92 |  |  |  |  |  | 31.939% | 31.939% | 31.939% | 8/XX/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8195.02 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.250% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $146753.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32108127 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7694.79 | $9179.79 |  | XX.XX% | $7017.74 | $7017.74 | 6.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17526.55 | 1 | $6144.48 | $4148.04 | $512.04 | $345.67 |  |  |  |  |  | 35.287% | 35.287% | 35.287% | 9/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7694.79 |  | 6.570% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $39324.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566797 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6182.47 | $13832.56 |  | XX.XX% | $9790.13 | $9790.13 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13296.61 | 1 | $18982.08 | $3333.00 | $1581.84 | $277.75 |  |  |  |  |  | 49.535% | 49.535% | 49.535% | 9/XX/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6182.47 |  | 6.310% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $172708.83 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.67 |  |  | No |  | $0.00 | $9555.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37919163 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2330.00 | $4867.58 |  | XX.XX% | $8205.78 | $8205.78 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10067.23 | 1 | $4714.20 | $1734.00 | $392.85 | $144.50 |  |  |  |  |  | 47.475% | 47.475% | 47.475% | 8/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2330.00 |  | 6.570% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $721747.07 | 39.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33864355 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.32 | $16517.52 |  | XX.XX% | $8127.47 | $8127.47 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13416.16 | 1 | $18738.12 | $1455.96 | $1561.51 | $121.33 |  |  |  |  |  | 49.126% | 49.126% | 49.126% | 9/XX/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.32 |  | 6.540% | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | 6.250% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $422469.29 | 25.600% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 17.49 |  | No | No |  | $0.00 | $18877.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32077944 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.00 | $6077.57 |  | XX.XX% | $7660.75 | $7660.75 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9972.00 | 1 | $9427.56 | $1367.04 | $785.63 | $113.92 |  |  |  |  |  | 47.122% | 47.122% | 47.122% | 9/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.00 |  | 6.540% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | 6.125% | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $970.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31106502 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1705.20 | $7379.04 |  | XX.XX% | $6268.30 | $6268.30 | 6.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22486.38 | 1 | $14167.44 | $2892.00 | $1180.62 | $241.00 |  |  |  |  |  | 34.772% | 34.772% | 34.772% | 9/XX/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 - 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 |  |  | XXX | $1705.20 |  | 6.220% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.000% | 2 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $19323.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30752605 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6194.90 | $7428.67 |  | XX.XX% | $2906.19 | $2906.19 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7296.86 | 1 | $1279.92 | $1049.04 | $106.66 | $87.42 |  |  |  |  |  | 45.274% | 45.274% | 45.274% | 9/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.90 |  | 6.540% | $7000.00 | 1.2 | DU |  | ApproveEligible | Yes | No | 6.250% | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $303751.21 | 51.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36778355 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9195.22 | $8833.17 |  | XX.XX% | $6127.41 | $6127.41 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9429.23 | 1 | $5778.24 | $2072.04 | $481.52 | $172.67 |  |  |  |  |  | 42.825% | 42.825% | 42.825% | 9/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9195.22 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $78394.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.35 |  | No | No |  | $0.00 | $9582.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32111394 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $300.00 | $2150.02 |  | XX.XX% | $7788.16 | $7788.16 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25786.11 | 1 | $13647.72 | $7143.96 | $1137.31 | $595.33 |  |  |  |  |  | 34.520% | 34.520% | 34.520% | 9/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $300.00 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 6.000% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $125250.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.66 |  | No | No |  | $0.00 | $13063.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31038452 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10155.00 | $11225.70 |  | XX.XX% | $6388.43 | $6388.43 | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20223.96 | 1 | $6815.28 | $1599.00 | $567.94 | $133.25 |  |  |  |  |  | 31.346% | 31.346% | 31.346% | 9/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10155.00 |  | 6.540% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35108735 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6202.31 | $9582.15 |  | XX.XX% | $10724.33 | $10724.33 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43846.20 | 1 | $25453.20 | $4523.16 | $2121.10 | $376.93 |  |  |  |  |  | 28.034% | 28.034% | 28.034% | 9/XX/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6202.31 |  | 6.220% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | 6.125% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $14063.47 |  | No | 13 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37670792 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $8505.29 |  | XX.XX% | $8739.86 | $8739.86 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16246.59 | 1 | $28662.24 | $2901.36 | $2388.52 | $241.78 |  |  |  |  |  | 47.183% | 47.183% | 47.183% | 8/XX/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<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]; 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 - Child Support]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Divorce Decree - 2024<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Child Support Order - 2021 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.570% | $0.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1500708.24 | 55.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 36.84 |  | No | No |  | $4280.94 | $10255.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38793178 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $146.86 |  | XX.XX% | $7017.90 | $7017.90 | 6.125% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Canada | Canada |  |  | $29155.06 | 1 | $23427.24 | $3125.04 | $1952.27 | $260.42 |  |  |  |  |  | 24.256% | 24.256% | 24.256% | 9/XX/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $158119.46 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 16.61 |  |  | No |  | $0.00 | $22658.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38450453 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $3673.68 |  | XX.XX% | $1118.16 | $1118.16 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12947.36 | 1 | $2456.16 | $1352.88 | $204.68 | $112.74 |  |  |  |  |  | 13.626% | 13.626% | 13.626% | 8/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.630% | $500.00 | 1.2 | DU |  | ApproveEligible | Yes | No | 6.000% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $185219.87 | 55.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.27 |  | No | No |  | $0.00 | $5995.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39051421 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $40050.00 | $39880.95 |  | XX.XX% | $11379.47 | $11379.47 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24502.64 | 1 | $40940.64 | $0.00 | $3411.72 | $0.00 |  |  |  |  |  | 41.902% | 41.902% | 41.902% | 9/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $40050.00 |  | 6.540% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $6604.48 |  | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32621833 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3705.00 | $5794.42 |  | XX.XX% | $2646.28 | $2646.28 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19088.99 | 1 | $2038.68 | $1322.04 | $169.89 | $110.17 |  |  |  |  |  | 23.196% | 23.196% | 23.196% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3705.00 |  | 6.750% | $2000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $161318.33 | 31.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37220380 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5797.00 | $6732.92 |  | XX.XX% | $2594.39 | $2594.39 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12481.31 | 1 | $5979.24 | $1344.96 | $498.27 | $112.08 |  |  |  |  |  | 42.970% | 42.970% | 42.970% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5797.00 |  | 6.750% | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $544808.76 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 134.08 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33957429 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11355.00 | $22492.52 |  | XX.XX% | $13853.52 | $13853.52 | 6.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $23202.38 | 1 | $21303.96 | $2244.96 | $1775.33 | $187.08 |  |  |  |  |  | 48.052% | 48.052% | 48.052% | 8/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11355.00 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1125524.28 | 39.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 33.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34869996 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9403.08 | $3017.81 |  | XX.XX% | $3428.95 | $3428.95 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17206.74 | 1 | $1942.68 | $888.00 | $161.89 | $74.00 |  |  |  |  |  | 39.616% | 39.616% | 39.616% | 8/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9403.08 |  | 6.750% | $14900.00 | 1.3 | DU |  | ApproveEligible | N/A | No | 6.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $353550.81 | 49.450% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 57.5 |  | No | No |  | $0.00 | $9406.65 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35300664 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12266.40 | $14579.73 |  | XX.XX% | $7314.52 | $7314.52 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17471.10 | 1 | $16181.76 | $16640.04 | $1348.48 | $1386.67 |  |  |  |  |  | 49.909% | 49.909% | 49.909% | 6/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12266.40 |  | 6.750% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1417064.68 | 92.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35141569 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20162.50 | $13940.03 |  | XX.XX% | $13853.64 | $13853.64 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30282.43 | 1 | $30294.48 | $12116.40 | $2524.54 | $1009.70 |  |  |  |  |  | 47.475% | 47.475% | 47.475% | 9/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| 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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20162.50 |  | 6.540% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $797593.48 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 36.78 |  | No | No |  | $19138.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34332928 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $10077.81 |  | XX.XX% | $5541.66 | $5541.66 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10595.28 | 1 | $7703.28 | $1914.96 | $641.94 | $159.58 |  |  |  |  |  | 45.000% | 45.000% | 45.000% | 8/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.540% | $0.00 | 4.9 | DU |  | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $446949.35 | 38.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.01 |  | No | No |  | $0.00 | $9429.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30093760 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5277.40 | $5822.64 |  | XX.XX% | $5905.97 | $5905.97 | 6.125% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | India |  |  |  | $14324.12 | 1 | $3551.04 | $1242.12 | $295.92 | $103.51 |  |  |  |  |  | 42.284% | 42.284% | 42.284% | 9/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5277.40 |  | 6.310% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $74983.16 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA |  |  |  | No | 11.55 |  | No | No |  | $0.00 | $12762.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31517657 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6960.89 | $10388.22 |  | XX.XX% | $5662.14 | $5662.14 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7356.38 | 1 | $4819.68 | $1764.96 | $401.64 | $147.08 |  |  |  |  |  | 46.798% | 46.798% | 46.798% | 9/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | XXX | $6960.89 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $15837.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37916003 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3088.00 | $6530.58 |  | XX.XX% | $9759.13 | $9759.13 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $113394.23 | 1 | $8067.00 | $6052.68 | $672.25 | $504.39 |  |  |  |  |  | 18.907% | 18.907% | 18.907% | 7/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3088.00 |  | 6.540% | $0.00 | 1.3 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $606741.30 | 31.430% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36658079 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11198.50 | $15042.76 |  | XX.XX% | $6162.66 | $6162.66 | 6.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9651.70 | 1 | $7064.88 | $5783.04 | $588.74 | $481.92 |  |  |  |  |  | 46.837% | 46.837% | 46.837% | 7/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11198.50 |  | 6.540% | $32809.60 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.500% | 1 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $390887.45 | 30.060% | No |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.15 |  |  | No |  | $1488.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38542564 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $30450.00 | $49240.18 |  | XX.XX% | $7603.96 | $7603.96 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12635.24 | 1 | $5228.16 | $4586.40 | $435.68 | $382.20 |  |  |  |  |  | 44.923% | 44.923% | 44.923% | 9/XX/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $30450.00 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | No | No | 7.500% | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $11470.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37078552 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6195.23 | $14744.10 |  | XX.XX% | $7177.40 | $7177.40 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9670.46 | 1 | $19687.56 | $2178.12 | $1640.63 | $181.51 |  |  |  |  |  | 48.424% | 48.424% | 48.424% | 9/XX/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6195.23 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $503376.41 | 31.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36637691 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $5124.05 |  | XX.XX% | $5915.38 | $5915.38 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27233.46 | 1 | $29177.88 | $6789.00 | $2431.49 | $565.75 |  |  |  |  |  | 34.168% | 34.168% | 34.168% | 9/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.540% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $215984.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38954291 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25821.80 | $28969.27 |  | XX.XX% | $11883.34 | $11883.34 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26677.62 | 1 | $31250.04 | $5449.92 | $2604.17 | $454.16 |  |  |  |  |  | 48.512% | 48.512% | 48.512% | 9/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25821.80 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $409612.61 | 16.380% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 23.08 |  | Yes | No |  | $0.00 | $13501.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36547244 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5647.20 | $6691.19 |  | XX.XX% | $1248.61 | $1248.61 | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1940.85 | 1 | $762.60 | $1483.44 | $63.55 | $123.62 |  |  |  |  |  | 44.414% | 44.414% | 44.414% | 8/XX/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5647.20 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34853450 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3090.00 | $2959.16 |  | XX.XX% | $6283.91 | $6283.91 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38126.12 | 1 | $12902.40 | $4194.96 | $1075.20 | $349.58 |  |  |  |  |  | 19.704% | 19.704% | 19.704% | 9/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3090.00 |  | 6.570% | $0.00 | 1.5 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $58787.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30513419 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22861.56 | $14652.88 |  | XX.XX% | $7973.93 | $7973.93 | 5.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $37010.17 | 1 | $28297.20 | $2681.04 | $2358.10 | $223.42 |  |  |  |  |  | 38.327% | 38.327% | 38.327% | 9/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $22861.56 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $439887.76 | 26.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.3 |  | Yes | No |  | $0.00 | $13128.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31875211 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8376.25 | $16875.61 |  | XX.XX% | $8960.33 | $8960.33 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19194.11 | 1 | $23431.80 | $2306.04 | $1952.65 | $192.17 |  |  |  |  |  | 37.457% | 37.457% | 37.457% | 9/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | XXX | $8376.25 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $10516.17 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.55 |  |  | No |  | $0.00 | $9439.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34639343 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11023.80 | $16123.23 |  | XX.XX% | $6094.33 | $6094.33 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19224.95 | 1 | $14875.32 | $2127.00 | $1239.61 | $177.25 |  |  |  |  |  | 32.355% | 32.355% | 32.355% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11023.80 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.125% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $23533.77 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.8 |  |  | No |  | $0.00 | $7586.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38999375 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9883.00 | $20184.10 |  | XX.XX% | $7321.88 | $7321.88 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19782.32 | 1 | $12682.44 | $5279.04 | $1056.87 | $439.92 |  |  |  |  |  | 44.507% | 44.507% | 44.507% | 8/XX/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| 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 - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 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]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9883.00 |  | 6.320% | $315000.00 | 3.9 | DU |  | ApproveIneligible | No | No | 6.500% | 1 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $131926.61 | 9.110% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.76 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33427388 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2535.00 | $4468.30 |  | XX.XX% | $5760.03 | $5760.03 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19441.21 | 1 | $5883.12 | $2742.00 | $490.26 | $228.50 |  |  |  |  |  | 25.226% | 25.226% | 25.226% | 9/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2535.00 |  | 6.320% | $0.00 | 2.0 | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $43114.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35993459 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14165.10 | $40002.13 |  | XX.XX% | $7343.94 | $7343.94 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38343.56 | 1 | $6418.92 | $18957.48 | $534.91 | $1579.79 |  |  |  |  |  | 34.005% | 34.005% | 34.005% | 9/XX/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14165.10 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.875% | 0 |  | 2 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35307210 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $995.00 | $859.81 |  | XX.XX% | $5128.58 | $5128.58 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17846.31 | 1 | $6294.84 | $2712.00 | $524.57 | $226.00 |  |  |  |  |  | 31.155% | 31.155% | 31.155% | 9/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $995.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $40277.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33314373 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4733.54 | $9332.27 |  | XX.XX% | $5109.67 | $5109.67 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24963.50 | 1 | $4470.12 | $1823.04 | $372.51 | $151.92 |  |  |  |  |  | 26.456% | 26.456% | 26.456% | 9/XX/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4733.54 |  | 6.320% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.000% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $14437.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.56 |  |  | No |  | $0.00 | $24776.94 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32904426 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4987.65 | $4826.10 |  | XX.XX% | $8653.08 | $8653.08 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16071.49 | 1 | $7201.80 | $1326.00 | $600.15 | $110.50 |  |  |  |  |  | 43.732% | 43.732% | 43.732% | 9/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4987.65 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $12083.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39480896 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14540.50 | $16949.38 |  | XX.XX% | $6636.71 | $6636.71 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11357.66 | 1 | $4102.68 | $2313.96 | $341.89 | $192.83 |  |  |  |  |  | 41.870% | 41.870% | 41.870% | 8/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Note Receivable]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Note Receivable]; Note - 2025<br> [Borrower - \| Non-Primary Income - Note Receivable]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14540.50 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $553790.30 | 41.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35427086 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2098.00 | $16204.51 |  | XX.XX% | $6104.06 | $6104.06 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26947.61 | 1 | $21690.48 | $3772.68 | $1807.54 | $314.39 |  |  |  |  |  | 47.357% | 47.357% | 47.357% | 9/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2098.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $86341.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39868864 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8999.85 | $16393.66 |  | XX.XX% | $6951.06 | $6951.06 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27174.12 | 1 | $5320.32 | $3683.04 | $443.36 | $306.92 |  |  |  |  |  | 33.372% | 33.372% | 33.372% | 9/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8999.85 |  | 6.320% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $506260.42 | 35.400% | No | 32 | 20 |  |  | Yes | Final | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.99 |  | No | No |  | $0.00 | $8163.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36398399 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2195.00 | $3271.66 |  | XX.XX% | $4527.96 | $4527.96 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $71552.82 | 1 | $2597.04 | $1947.96 | $216.42 | $162.33 |  |  |  |  |  | 31.180% | 31.180% | 31.180% | 9/XX/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2195.00 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $363771.66 |  | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 65.6 |  | No | No |  | $0.00 | $93970.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31280875 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10094.57 | $9839.65 |  | XX.XX% | $11216.49 | $11216.49 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44109.80 | 1 | $43067.64 | $3577.92 | $3588.97 | $298.16 |  |  |  |  |  | 30.555% | 30.555% | 30.555% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10094.57 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32452233 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11401.25 | $25304.50 |  | XX.XX% | $9790.66 | $9790.66 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20721.83 | 1 | $23939.64 | $2785.92 | $1994.97 | $232.16 |  |  |  |  |  | 44.477% | 44.477% | 44.477% | 9/XX/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11401.25 |  | 6.310% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $10238.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33623004 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6259.68 | $12712.87 |  | XX.XX% | $7205.70 | $7205.70 | 6.375% | No | No | Not Employed | Employed | Employed | Not Employed | 6.23 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $24373.39 | 1 | $5530.68 | $2916.00 | $460.89 | $243.00 |  |  |  |  |  | 47.538% | 47.538% | 47.538% | 9/XX/2025 | 774 | 790 | 798 | 800 | 810 | 812 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  | XXX | $6259.68 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.375% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  | 23 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  | No |  |  | No | No |  | $0.00 | $46458.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31576082 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4145.00 | $5801.46 |  | XX.XX% | $11747.88 | $11747.88 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18534.90 | 1 | $31713.00 | $2420.04 | $2642.75 | $201.67 |  |  |  |  |  | 45.571% | 45.571% | 45.571% | 9/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4145.00 |  | 6.320% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $41969.94 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.53 |  | No | No |  | $14019.25 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37905220 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3600.38 | $4534.03 |  | XX.XX% | $7614.29 | $7614.29 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28523.21 | 1 | $11654.40 | $746.04 | $971.20 | $62.17 |  |  |  |  |  | 26.392% | 26.392% | 26.392% | 9/XX/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3600.38 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $155486.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.08 |  |  | No |  | $0.00 | $20416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31708033 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2185.00 | $7214.52 |  | XX.XX% | $10718.81 | $10718.81 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $112483.03 | 1 | $34151.88 | $3902.04 | $2845.99 | $325.17 |  |  |  |  |  | 11.653% | 11.653% | 11.653% | 8/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 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 |  |  | XXX | $2185.00 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $490486.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39141810 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1215.00 | $7147.08 |  | XX.XX% | $8405.76 | $8405.76 | 6.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18736.79 | 1 | $15660.48 | $2691.96 | $1305.04 | $224.33 |  |  |  |  |  | 44.503% | 44.503% | 44.503% | 9/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1215.00 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $4378.91 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37608982 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4194.70 | $3372.59 |  | XX.XX% | $6533.30 | $6533.30 | 6.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17047.36 | 1 | $29826.00 | $2851.80 | $2485.50 | $237.65 |  |  |  |  |  | 41.526% | 41.526% | 41.526% | 7/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4194.70 |  | 6.750% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1034291.61 | 68.230% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 57.15 |  | Yes | No |  | $0.00 | $4506.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33876003 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29490.00 | $33617.38 |  | XX.XX% | $10757.22 | $10757.22 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57061.91 | 1 | $12730.20 | $4745.76 | $1060.85 | $395.48 |  |  |  |  |  | 25.222% | 25.222% | 25.222% | 8/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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%)]; Account Statements - Business - 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%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 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 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| 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%)]; CPA Letter - 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%)]; CPA Letter - 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<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%)]; Account Statements - Business - 2025<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 - 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%)]; 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%)]; 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<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $29490.00 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.625% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $604697.24 | 28.450% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.37 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38159530 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2935.00 | $3910.83 |  | XX.XX% | $9669.45 | $9669.45 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $272279.06 | 1 | $7805.88 | $2289.00 | $650.49 | $190.75 |  |  |  |  |  | 3.977% | 3.977% | 3.977% | 8/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [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 - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2935.00 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 7.375% | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $738379.29 | 42.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35683288 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $8399.73 |  | XX.XX% | $7704.50 | $7704.50 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17266.83 | 1 | $19812.48 | $2136.96 | $1651.04 | $178.08 |  |  |  |  |  | 43.664% | 43.664% | 43.664% | 8/XX/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $379607.83 | 23.950% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.98 |  |  | No |  | $0.00 | $22966.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34025277 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5583.86 | $7413.91 |  | XX.XX% | $5681.16 | $5681.16 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19156.27 | 1 | $3390.48 | $4715.64 | $282.54 | $392.97 |  |  |  |  |  | 37.765% | 37.765% | 37.765% | 8/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [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) - \| 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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5583.86 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 7.250% | 1 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $275827.32 | 26.490% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.82 |  | No | No |  | $6926.75 | $14052.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39354982 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.42 | $11913.37 |  | XX.XX% | $5393.68 | $5393.68 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8424.48 | 1 | $3890.88 | $2408.04 | $324.24 | $200.67 |  |  |  |  |  | 42.444% | 42.444% | 42.444% | 8/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.42 |  | 6.320% | $8000.00 | 5.0 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $260180.43 | 23.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.21 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33990549 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3834.52 | $5098.69 |  | XX.XX% | $10834.06 | $10834.06 | 6.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Korea, Republic of |  |  |  | $17333.06 | 1 | $26437.56 | $3344.04 | $2203.13 | $278.67 |  |  |  |  |  | 43.520% | 43.520% | 43.520% | 9/XX/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3834.52 |  | 6.320% | $60000.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | 6.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $598431.12 | 28.290% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 16.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30081358 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12641.20 | $14403.08 |  | XX.XX% | $6403.46 | $6403.46 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17799.93 | 1 | $17001.84 | $7627.44 | $1416.82 | $635.62 |  |  |  |  |  | 36.958% | 36.958% | 36.958% | 8/XX/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12641.20 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37642140 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11845.00 | $12804.73 |  | XX.XX% | $5245.91 | $5245.91 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25878.55 | 1 | $19299.36 | $1638.00 | $1608.28 | $136.50 |  |  |  |  |  | 22.997% | 22.997% | 22.997% | 8/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11845.00 |  | 6.320% | $0.00 | 3.5 | DU |  | ApproveEligible | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $170574.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.51 |  |  | No |  | $0.00 | $14137.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38273830 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $5550.45 |  | XX.XX% | $8893.08 | $8893.08 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $69318.60 | 1 | $4356.96 | $3816.96 | $363.08 | $318.08 |  |  |  |  |  | 24.283% | 24.283% | 24.283% | 7/XX/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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 - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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]; Account Transcripts - 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]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.750% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | 7.125% | 1 | 0 | 2 | 0 | 2 | 2 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $226527.55 | 13.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 115.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32277980 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $395.00 | $3622.59 |  | XX.XX% | $5774.04 | $5774.04 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28637.07 | 1 | $4284.48 | $1043.16 | $357.04 | $86.93 |  |  |  |  |  | 28.842% | 28.842% | 28.842% | 4/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 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 |  |  | XXX | $395.00 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 7.375% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $100426.58 |  | No | 30 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.9 |  | No | No |  | $0.00 | $15450.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32423646 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4693.98 | $13706.60 |  | XX.XX% | $8324.50 | $8324.50 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20941.08 | 1 | $21125.04 | $3792.96 | $1760.42 | $316.08 |  |  |  |  |  | 33.678% | 33.678% | 33.678% | 9/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4693.98 |  | 6.310% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $441899.01 | 26.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.35 |  |  | No |  | $0.00 | $20416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31590176 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6981.99 |  |  | XX.XX% | $7075.22 | $7075.22 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10677.99 | 1 | $14723.16 | $1464.96 | $1226.93 | $122.08 |  |  |  |  |  | 49.827% | 49.827% | 49.827% | 4/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 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]; 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6981.99 |  | 6.670% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $591254.21 | 34.730% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.12 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33948914 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11025.00 | $13475.60 |  | XX.XX% | $6051.54 | $6051.54 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18826.37 | 1 | $20184.00 | $3008.04 | $1682.00 | $250.67 |  |  |  |  |  | 36.606% | 36.606% | 36.606% | 6/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11025.00 |  | 6.830% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $310468.88 | 24.640% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.11 |  |  | No |  | $0.00 | $13482.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37386785 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3661.96 | $5722.20 |  | XX.XX% | $2516.05 | $2516.05 | 7.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13644.64 | 1 | $6900.00 | $1301.04 | $575.00 | $108.42 |  |  |  |  |  | 29.685% | 29.685% | 29.685% | 7/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 - 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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3661.96 |  | 6.770% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 7.500% | 0 | 1 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $27008.71 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.71 |  | No | No |  | $0.00 | $4643.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38760583 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1564.13 | $10979.71 |  | XX.XX% | $8318.27 | $8318.27 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12583.26 | 1 | $26440.68 | $3324.96 | $2203.39 | $277.08 |  |  |  |  |  | 49.667% | 49.667% | 49.667% | 7/XX/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1564.13 |  | 6.770% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $100723.15 | 5.890% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34512352 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1425.00 | $2760.13 |  | XX.XX% | $7614.88 | $7614.88 | 6.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16385.05 | 1 | $44338.08 | $2454.84 | $3694.84 | $204.57 |  |  |  |  |  | 46.689% | 46.689% | 46.689% | 6/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 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> [Borrower - \| Non-Primary Income - Pension]; Other - 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]; Other - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Other - 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 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1425.00 |  | 6.750% | $7337.83 | 4.8 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 8/XX/2055 | $1340645.92 | 91.350% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 88.05 |  | Yes | No |  | $6884.45 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35156703 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5455.90 |  |  | XX.XX% | $5210.44 | $5210.44 | 6.375% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $10662.10 | 1 | $12063.36 | $2577.96 | $1005.28 | $214.83 |  |  |  |  |  | 42.315% | 42.315% | 42.315% | 6/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; 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]; 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]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 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 |  |  | XXX | $5455.90 |  | 6.830% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 3 | 3 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $276522.29 | 24.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | 13.73 |  | Yes | No |  | $0.00 | $8399.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33581162 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4535.00 | $5959.70 |  | XX.XX% | $2384.96 | $2384.96 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24812.68 | 1 | $2674.68 | $741.00 | $222.89 | $61.75 |  |  |  |  |  | 26.299% | 26.299% | 26.299% | 7/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4535.00 |  | 6.790% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 7.125% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $190418.83 | 43.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.13 |  | No | No |  | $0.00 | $10833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36880321 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10174.00 | $11737.10 |  | XX.XX% | $4365.93 | $4365.93 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18535.15 | 1 | $2651.40 | $3522.00 | $220.95 | $293.50 |  |  |  |  |  | 47.042% | 47.042% | 47.042% | 6/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10174.00 |  | 6.790% | $0.00 | 4.5 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $239229.77 | 29.900% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30984239 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6095.07 | $6848.50 |  | XX.XX% | $1404.59 | $1404.59 | 7.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9875.41 | 1 | $2416.20 | $1323.96 | $201.35 | $110.33 |  |  |  |  |  | 48.553% | 48.553% | 48.553% | 7/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6095.07 |  | 6.790% | $11800.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $349840.06 | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 172.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32113197 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15890.00 | $19777.95 |  | XX.XX% | $9228.19 | $9228.19 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21767.05 | 1 | $5827.20 | $5267.04 | $485.60 | $438.92 |  |  |  |  |  | 47.759% | 47.759% | 47.759% | 7/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15890.00 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $160200.43 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.54 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30226739 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2812.05 |  | XX.XX% | $6618.96 | $6618.96 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17357.63 | 1 | $7666.56 | $2077.68 | $638.88 | $173.14 |  |  |  |  |  | 40.571% | 40.571% | 40.571% | 7/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 2 |  | 0 | 0 | 7 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $200672.02 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34283280 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1159.00 | $1683.46 |  | XX.XX% | $5577.94 | $5577.94 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19488.03 | 1 | $13677.36 | $4704.96 | $1139.78 | $392.08 |  |  |  |  |  | 33.184% | 33.184% | 33.184% | 6/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1159.00 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34667365 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22793.72 | $25182.67 |  | XX.XX% | $8345.74 | $8345.74 | 6.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32382.59 | 1 | $9415.68 | $12183.84 | $784.64 | $1015.32 |  |  |  |  |  | 33.290% | 33.290% | 33.290% | 8/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| 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 - 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]; 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]; Paystubs - 2023<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]; 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]; 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 |  |  | XXX | $22793.72 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 1 | 2 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1091041.78 | 62.700% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 68.19 |  | No | No |  | $0.00 | $23244.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32570709 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1555.00 | $3940.79 |  | XX.XX% | $1659.49 | $1659.49 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16457.50 | 1 | $4086.12 | $1734.60 | $340.51 | $144.55 |  |  |  |  |  | 27.038% | 27.038% | 27.038% | 8/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 |  |  | XXX | $1555.00 |  | 6.750% | $6650.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.375% | 0 | 1 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $91135.50 | 27.400% | No | 21 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.86 |  | No | No |  | $0.00 | $7106.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36025051 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2712.40 | $7255.45 |  | XX.XX% | $9733.85 | $9733.85 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14838.12 | 1 | $19162.32 | $1905.00 | $1596.86 | $158.75 |  |  |  |  |  | 44.175% | 44.175% | 44.175% | 5/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 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]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2712.40 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.500% | 2 | 1 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $7437466.02 | 100.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 609.16 |  |  | No |  | $0.00 | $7418.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33515983 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4696.73 | $5230.40 |  | XX.XX% | $7502.04 | $7502.04 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11459.80 | 1 | $12502.80 | $2609.04 | $1041.90 | $217.42 |  |  |  |  |  | 46.402% | 46.402% | 46.402% | 7/XX/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4696.73 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $154359.76 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.67 |  | No | No |  | $0.00 | $8146.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34524890 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13166.50 | $14902.82 |  | XX.XX% | $7867.71 | $7867.71 | 6.875% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19961.31 | 1 | $5775.60 | $2991.00 | $481.30 | $249.25 |  |  |  |  |  | 41.402% | 41.402% | 41.402% | 6/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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 |  |  | XXX | $13166.50 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $1290203.88 |  | No |  | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 150.05 |  | No | No |  | $3257.12 | $16744.46 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35280242 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6264.82 | $7195.98 |  | XX.XX% | $2998.22 | $2998.22 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44980.75 | 1 | $6968.28 | $2584.20 | $580.69 | $215.35 |  |  |  |  |  | 22.851% | 22.851% | 22.851% | 8/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6264.82 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $419159.70 | 73.470% | No | 31 | 30 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 67.67 |  | No | No |  | $0.00 | $16124.98 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39068966 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16325.00 | $23828.23 |  | XX.XX% | $8993.26 | $8993.26 | 6.000% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24918.14 | 1 | $21526.44 | $6326.76 | $1793.87 | $527.23 |  |  |  |  |  | 34.848% | 34.848% | 34.848% | 8/XX/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16325.00 |  | 6.610% | $0.00 | 3.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1069116.53 | 47.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.93 |  |  | No |  | $0.00 | $32918.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36298122 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1705.56 | $2532.80 |  | XX.XX% | $5568.21 | $5568.21 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10678.56 | 1 | $14073.24 | $2498.04 | $1172.77 | $208.17 |  |  |  |  |  | 41.151% | 41.151% | 41.151% | 7/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 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%)]; Business Return Transcripts - 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%)]; 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%)]; Business Return Transcripts - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 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%)]; Business Return Transcripts - 2023<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) - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1705.56 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.750% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $17881.22 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33321119 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6224.18 | $6966.78 |  | XX.XX% | $3912.34 | $3912.34 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25476.40 | 1 | $5808.00 | $4332.72 | $484.00 | $361.06 |  |  |  |  |  | 25.688% | 25.688% | 25.688% | 6/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Transcripts - No Results Returned (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2022<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]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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 |  |  | XXX | $6224.18 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $215177.70 | 28.530% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36000993 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9466.00 | $10489.29 |  | XX.XX% | $4502.36 | $4502.36 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16665.51 | 1 | $10727.04 | $3473.04 | $893.92 | $289.42 |  |  |  |  |  | 43.253% | 43.253% | 43.253% | 7/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; 4506-C (for Business) - 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%)]; 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 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9466.00 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.250% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $52884.43 | 6.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 139.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34286056 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1150.00 | $4158.14 |  | XX.XX% | $3969.42 | $3969.42 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9082.72 | 1 | $8492.64 | $2646.96 | $707.72 | $220.58 |  |  |  |  |  | 48.411% | 48.411% | 48.411% | 7/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 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 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1150.00 |  | 6.610% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1110317.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 193.91 |  | No | No |  | $0.00 | $5764.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32842078 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XX.XX% | $8311.09 | $8311.09 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10951.96 | 1 | $20695.68 | $2046.96 | $1724.64 | $170.58 |  |  |  |  |  | 49.843% | 49.843% | 49.843% | 5/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.930% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 7/XX/2055 | $478814.67 | 28.920% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36355266 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1990.00 | $6405.50 |  | XX.XX% | $6621.84 | $6621.84 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $21450.93 | 1 | $15750.00 | $1535.04 | $1312.50 | $127.92 |  |  |  |  |  | 41.274% | 41.274% | 41.274% | 8/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.750% | $7500.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $185912.97 | 14.750% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | 16.82 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30076654 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $921.80 |  | XX.XX% | $5295.17 | $5295.17 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7190.93 | 1 | $13437.48 | $2790.00 | $1119.79 | $232.50 |  |  |  |  |  | 49.074% | 49.074% | 49.074% | 7/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.750% | $30000.00 | 1.0 | DU |  | ApproveEligible | No | No | 6.250% | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $296930.04 | 27.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33089581 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1750.00 | $5904.98 |  | XX.XX% | $9481.02 | $9481.02 | 6.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $95424.46 | 1 | $4662.00 | $4930.20 | $388.50 | $410.85 |  |  |  |  |  | 26.615% | 26.615% | 26.615% | 7/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1750.00 |  | 6.630% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 6.500% | 1 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $211252.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 20.25 |  | No | No |  | $62807.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30566767 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1390.00 | $8037.30 |  | XX.XX% | $10574.59 | $10574.59 | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17637.06 | 1 | $37712.64 | $6995.64 | $3142.72 | $582.97 |  |  |  |  |  | 48.989% | 48.989% | 48.989% | 7/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1390.00 |  | 6.630% | $3603.50 | 1.0 | DU |  | ApproveIneligible | No | No | 6.375% | 0 | 0 | 2 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $3473602.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 207.3 |  | No | No |  | $2556.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 33213454 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $390.00 | $675.70 |  | XX.XX% | $10839.97 | $10839.97 | 6.500% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $27496.20 | 1 | $24104.40 | $2970.00 | $2008.70 | $247.50 |  |  |  |  |  | 40.204% | 40.204% | 40.204% | 8/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 |  |  | XXX | $390.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $286764.32 |  | No | 31 | 19 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 20.63 |  | No | No |  | $0.00 | $19166.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34891751 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2590.00 | $21680.00 |  | XX.XX% | $4496.63 | $4496.63 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11855.69 | 1 | $13131.72 | $2194.68 | $1094.31 | $182.89 |  |  |  |  |  | 42.436% | 42.436% | 42.436% | 8/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2590.00 |  | 6.630% | $160000.00 | 1.4 | DU |  | ApproveEligible | No | No | 6.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $746488.35 | 57.420% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34002845 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2095.00 | $5414.00 |  | XX.XX% | $7571.68 | $7571.68 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10949.99 | 1 | $16470.00 | $4993.92 | $1372.50 | $416.16 |  |  |  |  |  | 49.442% | 49.442% | 49.442% | 8/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2095.00 |  | 6.630% | $28793.74 | 1.0 | DU |  | ApproveIneligible | No | No | 5.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $654957.14 | 40.930% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.4 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34615376 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $21885.18 |  | XX.XX% | $10450.90 | $10450.90 | 6.125% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21100.82 | 1 | $25974.36 | $3400.08 | $2164.53 | $283.34 |  |  |  |  |  | 47.320% | 47.320% | 47.320% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | XXX | $1890.00 |  | 6.750% | $53750.00 | 1.3 | DU |  | ApproveIneligible | No | No | 6.125% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $603435.88 | 28.060% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.25 |  | Yes | No |  | $0.00 | $40054.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34195827 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $12654.62 |  | XX.XX% | $8469.71 | $8469.71 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16432.96 | 1 | $21406.20 | $1878.96 | $1783.85 | $156.58 |  |  |  |  |  | 47.923% | 47.923% | 47.923% | 8/XX/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.500% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $914128.06 | 53.370% | No | 15 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.95 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39326567 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2117.72 | $3032.86 |  | XX.XX% | $612.08 | $612.08 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8494.17 | 1 | $1752.00 | $1274.04 | $146.00 | $106.17 |  |  |  |  |  | 32.822% | 32.822% | 32.822% | 8/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2117.72 |  | 6.610% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $40826.62 | 35.500% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.8 |  | No | No |  | $0.00 | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37983808 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3523.40 | $8978.22 |  | XX.XX% | $7029.14 | $7029.14 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $15268.35 | 1 | $6947.64 | $8559.00 | $578.97 | $713.25 |  |  |  |  |  | 48.533% | 48.533% | 48.533% | 8/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3523.40 |  | 6.630% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2634734.85 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  | No | 315.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31286274 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $8015.92 |  | XX.XX% | $5762.80 | $5762.80 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10015.12 | 1 | $21691.44 | $2153.40 | $1807.62 | $179.45 |  |  |  |  |  | 49.122% | 49.122% | 49.122% | 8/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.610% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1569716.54 | 100.000% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 130.27 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37163467 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2520.00 | $4001.25 |  | XX.XX% | $6161.68 | $6161.68 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12247.42 | 1 | $5696.52 | $2267.04 | $474.71 | $188.92 |  |  |  |  |  | 37.069% | 37.069% | 37.069% | 5/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2520.00 |  | 6.880% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $63958.92 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32373327 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5612.23 |  |  | XX.XX% | $6216.15 | $6216.15 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12538.31 | 1 | $17326.68 | $4303.68 | $1443.89 | $358.64 |  |  |  |  |  | 49.847% | 49.847% | 49.847% | 7/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<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]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5612.23 |  | 6.670% | $0.00 | 4.4 | DU |  | ApproveIneligible | N/A | No | 6.875% | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $317771.37 | 26.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38365253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $395.00 | $4971.45 |  | XX.XX% | $6798.81 | $6798.81 | 7.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8949.77 | 1 | $16766.04 | $2123.52 | $1397.17 | $176.96 |  |  |  |  |  | 49.295% | 49.295% | 49.295% | 6/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2023<br> [Borrower - \| 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $395.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 7.750% | 2 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $183995.40 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 21.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39855255 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16157.96 | $16427.77 |  | XX.XX% | $8456.88 | $8456.88 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35337.77 | 1 | $5190.12 | $1443.00 | $432.51 | $120.25 |  |  |  |  |  | 23.559% | 23.559% | 23.559% | 8/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; 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 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16157.96 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 | 0 | 1 | 0 | 7 | 1 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $61578.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31396413 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1730.00 | $8524.54 |  | XX.XX% | $8776.64 | $8776.64 | 7.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43868.62 | 1 | $13770.96 | $3201.96 | $1147.58 | $266.83 |  |  |  |  |  | 28.028% | 28.028% | 28.028% | 7/XX/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1730.00 |  | 6.750% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.625% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $108649.56 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35873099 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11197.00 | $14046.87 |  | XX.XX% | $2724.11 | $2724.11 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4829.42 | 1 | $5403.36 | $2135.04 | $450.28 | $177.92 |  |  |  |  |  | 47.954% | 47.954% | 47.954% | 8/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Note Receivable]; Note - 2022 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11197.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.750% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $420348.41 | 80.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 32903531 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1500.00 | $5931.02 |  | XX.XX% | $6546.95 | $6546.95 | 6.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13535.90 | 1 | $5783.04 | $3057.96 | $481.92 | $254.83 |  |  |  |  |  | 38.746% | 38.746% | 38.746% | 8/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [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 |  |  | XXX | $1500.00 |  | 6.320% | $7170.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $286613.23 | 22.890% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.98 |  | Yes | No |  | $0.00 | $22098.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36388231 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12243.20 | $17827.61 |  | XX.XX% | $6573.51 | $6573.51 | 6.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21591.41 | 1 | $3766.32 | $5173.44 | $313.86 | $431.12 |  |  |  |  |  | 33.998% | 33.998% | 33.998% | 8/XX/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - 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%)]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12243.20 |  | 6.540% | $38466.62 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $613648.57 | 47.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 46.08 |  | Yes | No |  | $23254.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 34234357 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2098.37 | $2793.69 |  | XX.XX% | $5568.58 | $5568.58 | 7.000% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9845.05 | 1 | $11896.20 | $1335.12 | $991.35 | $111.26 |  |  |  |  |  | 42.187% | 42.187% | 42.187% | 8/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2098.37 |  | 6.630% | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | 7.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $42833.53 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 4.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31093763 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $1887.17 |  | XX.XX% | $5461.32 | $5461.32 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36053.96 | 1 | $16330.56 | $5171.04 | $1360.88 | $430.92 |  |  |  |  |  | 18.480% | 18.480% | 18.480% | 8/XX/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $995.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $112072.44 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 39137230 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $3989.08 |  | XX.XX% | $6316.11 | $6316.11 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21892.42 | 1 | $10232.40 | $3985.08 | $852.70 | $332.09 |  |  |  |  |  | 49.379% | 49.379% | 49.379% | 7/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 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]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 Transcript - 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]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 7.125% | 2 |  | 2 | 0 | 4 | 2 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $767223.48 | 61.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37737396 | Safe Harbor QM (APOR) |  | No |  | Yes | No | $12099.00 | $15714.22 |  | XX.XX% | $7777.41 | $7777.41 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34770.27 | 1 | $21840.48 | $3315.96 | $1820.04 | $276.33 |  |  |  |  |  | 30.082% | 30.082% | 30.082% | 8/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12099.00 |  | 6.630% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $423472.87 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35142760 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26544.81 | $29013.44 |  | XX.XX% | $6197.19 | $6197.19 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15736.90 | 1 | $5355.00 | $6031.92 | $446.25 | $502.66 |  |  |  |  |  | 49.992% | 49.992% | 49.992% | 5/XX/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26544.81 |  | 6.670% | $0.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $604662.62 | 44.780% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.32 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30737716 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $19971.43 | $28824.13 |  | XX.XX% | $7030.03 | $7030.03 | 6.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19639.30 | 1 | $19101.60 | $4809.00 | $1591.80 | $400.75 |  |  |  |  |  | 44.862% | 44.862% | 44.862% | 8/XX/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; 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%)]; 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%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-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%)]; 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%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 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 | [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]; Transcripts (1040) - 2023<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]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19971.43 |  | 6.630% | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 | 2 | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $234861.95 | 15.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.74 |  | Yes | No |  | $10765.75 | $7940.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 35930692 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $7216.61 |  | XX.XX% | $5551.05 | $5551.05 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8146.58 | 1 | $5714.52 | $2304.96 | $476.21 | $192.08 |  |  |  |  |  | 46.252% | 46.252% | 46.252% | 6/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.750% | $0.00 | 2.3 | DU |  | ApproveEligible | No | No | 6.875% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No | 30 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 31030757 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $1405.30 |  | XX.XX% | $6227.69 | $6227.69 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16807.02 | 1 | $14812.56 | $1820.40 | $1234.38 | $151.70 |  |  |  |  |  | 43.965% | 43.965% | 43.965% | 7/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.750% | $28111.08 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $397869.42 | 33.570% | No |  | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.17 |  | Yes | No |  | $0.00 | $14993.77 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30905987 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8744.75 | $15682.45 |  | XX.XX% | $5397.82 | $5397.82 | 6.625% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14460.96 | 1 | $9387.84 | $3878.04 | $782.32 | $323.17 |  |  |  |  |  | 33.547% | 33.547% | 33.547% | 8/XX/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2017<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2017<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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8744.75 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 |  |  | No |  | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $8668.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36760247 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1545.00 | $6775.36 |  | XX.XX% | $5833.53 | $5833.53 | 6.875% | No | No | Self-Employed | Employed | Self-Employed |  | 2.53 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $12583.14 | 1 | $2636.76 | $3010.92 | $219.73 | $250.91 |  |  |  |  |  | 49.316% | 49.316% | 49.316% | 8/XX/2025 | 746 | 790 | 789 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1545.00 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.875% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2165013.60 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 288.09 |  | No | No |  | $8329.50 | $4920.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30833255 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1243.80 | $27769.90 |  | XX.XX% | $6625.22 | $6625.22 | 5.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33886.00 | 1 | $21093.60 | $2205.96 | $1757.80 | $183.83 |  |  |  |  |  | 23.277% | 23.277% | 23.277% | 8/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1243.80 |  | 6.630% | $0.00 |  | DU |  | ApproveEligible | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $546533.97 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 61.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 30819456 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $5444.86 |  | XX.XX% | $5059.21 | $5059.21 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16601.69 | 1 | $5099.88 | $4790.76 | $424.99 | $399.23 |  |  |  |  |  | 34.853% | 34.853% | 34.853% | 8/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.630% | $1795.08 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | 6.125% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $282145.62 | 27.100% | No |  | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.95 |  | No | No |  | $0.00 | $7150.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38500722 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5040.08 |  | XX.XX% | $8609.40 | $8609.40 | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $15614.88 | 1 | $18146.76 | $2367.96 | $1512.23 | $197.33 |  |  |  |  |  | 40.503% | 40.503% | 40.503% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<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]; Paystubs - 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]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.630% | $0.00 | 1.7 | DU |  | ApproveIneligible | No | No | 6.375% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $72529.21 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 6.64 |  | No | No |  | $0.00 | $10666.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 37432442 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $8291.75 |  | XX.XX% | $10113.09 | $10113.09 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24569.05 | 1 | $17176.56 | $2489.76 | $1431.38 | $207.48 |  |  |  |  |  | 34.775% | 34.775% | 34.775% | 8/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $645970.49 | 32.290% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 38989497 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $6445.16 |  | XX.XX% | $13138.29 | $13138.29 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27391.35 | 1 | $12499.08 | $2923.44 | $1041.59 | $243.62 |  |  |  |  |  | 48.312% | 48.312% | 48.312% | 7/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.570% | $0.00 | 2.7 | LP / LPA |  | Accept/Ineligible | No | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $122611.63 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 36866415 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2569.60 | $6848.91 |  | XX.XX% | $7634.89 | $7634.89 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9908.46 | 1 | $19562.52 | $1276.32 | $1630.21 | $106.36 |  |  |  |  |  | 49.900% | 49.900% | 49.900% | 9/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2569.60 |  | 6.570% | $7500.00 | 2.2 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 3 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2596256.35 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 241.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Data Compare Summary (Total)

#### Run Date - 12/2/2025 11:10:42 AM

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 319 | 0.00% | 319 |
| City | 0 | 319 | 0.00% | 319 |
| State | 0 | 319 | 0.00% | 319 |
| Zip | 0 | 319 | 0.00% | 319 |
| Borrower First Name | 0 | 319 | 0.00% | 319 |
| Borrower Last Name | 0 | 319 | 0.00% | 319 |
| Borrower SSN | 0 | 319 | 0.00% | 319 |
| Original Loan Amount | 0 | 319 | 0.00% | 319 |
| Original Interest Rate | 0 | 319 | 0.00% | 319 |
| Representative FICO | 0 | 319 | 0.00% | 319 |
| Property Type | 0 | 319 | 0.00% | 319 |
| Occupancy | 0 | 319 | 0.00% | 319 |
| Purpose | 0 | 319 | 0.00% | 319 |
| Balloon Flag | 0 | 319 | 0.00% | 319 |
| Original CLTV | 0 | 319 | 0.00% | 319 |
| Original LTV | 0 | 319 | 0.00% | 319 |
| Lender | 0 | 319 | 0.00% | 319 |
| Product Description | 0 | 319 | 0.00% | 319 |
| Originator Loan Designation | 0 | 319 | 0.00% | 319 |
| Investor: Qualifying Total Debt Ratio | 0 | 319 | 0.00% | 319 |
| PITIA Reserves Months | 0 | 159 | 0.00% | 319 |
| Refi Purpose | 0 | 16 | 0.00% | 319 |
| Margin | 0 | 1 | 0.00% | 319 |
| **Total** | **0** | **6556** | **0.00%** | **319** |

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