# EDGAR Filing Document

**Accession Number:** 0002084408
**File Stem:** 0001539497-25-002418
**Filing Date:** 2025-9
**Character Count:** 3449063
**Document Hash:** af3e5441a8f0b05214d5295903d24f72
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-002418.hdr.sgml**: 20250919

**ACCESSION NUMBER**: 0001539497-25-002418

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

**PUBLIC DOCUMENT COUNT**: 97

**CONFORMED PERIOD OF REPORT**: 20250919

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

**FILED AS OF DATE**: 20250919

**DATE AS OF CHANGE**: 20250919

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PIF Residential Funding XV Depositor LLC
- **CENTRAL INDEX KEY:** 0002084408

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07943
- **FILM NUMBER:** 251326859

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PIF Residential Funding XV Depositor LLC
- **CENTRAL INDEX KEY:** 0002084408

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PIF Residential Funding XV Depositor LLC
- **CENTRAL INDEX KEY:** 0002084408

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington,** **D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT<br> PURSUANT TO SECTION 15G OF THE<br> 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): ___________

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

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

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

<u>X</u> Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0002084408 (PIF Residential Funding XV Depositor LLC)

<u>BRAVO Residential Funding Trust 2025-NQM9</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

<u>Michael Chiao, Authorized Person, 949-720-6974</u> <br> Name and telephone number, including area code, of the person to contact in <br> connection with this filing

**INFORMATION TO BE INCLUDED IN THE REPORT:**

---

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

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7, 99.8 and 99.9 for the related information.

Item 3. Exhibits

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Reports – Exceptions and Grades Report

Schedule 3— Lease Securitization Reports – Exceptions Grades Report

Schedule 4— Lease Securitization Reports – Valuation Report

Schedule 5— Lease Securitization Reports – Data Compare Report

Schedule 6— Credit Compare Securitization Reports – Exceptions and Grades Report

Schedule 7— Credit Compare Securitization Reports – Exceptions Grades Report

Schedule 8— Credit Compare Securitization Reports – Valuation Report

Schedule 9— Credit Compare Securitization Reports – Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.3 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Non-ATR QM

Schedule 6— Rating Agency ATR QM

Schedule 7— Valuations Summary

Schedule 8— Waived Conditions Report

Schedule 9— Loan Level Tape Compare

Schedule 10— Standard Upload

99.4 Disclosures required by Rule 15Ga-2 for Maxwell Diligence Solutions LLC

Schedule 1— Narrative

Schedule 2— Standard Exceptions Report

Schedule 3— Grading Report

Schedule 4— Valuation Report

Schedule 5— Supplemental Data Report

Schedule 6— Business Purpose Report

Schedule 7— Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services,
LLC

Schedule 1— Narrative

Schedule 2— Loan Level Exceptions Report

Schedule 3— Exception Report

Schedule 4— Grades Report

Schedule 5— Tape Compare Report

Schedule 6— ATR QM Report

Schedule 7— Business Purpose Supplement

Schedule 8— Valuation Report

99.6 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary Report

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— MLS Report

Schedule 7— Supplemental Data Extract Report

Schedule 8— Multi-Property Extract Report

Schedule 9— Business Purpose Supplemental Extract Report

Schedule 10— Data Compare Report

99.7 Disclosures required by Rule Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Detail Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.8 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1— Narrative

Schedule 2— Review Summary

Schedule 3— Exception Report

Schedule 4— Rating Agency Grades

Schedule 5— Final Tape Compare

Schedule 6— Supplemental Data

Schedule 7— QM ATR Report

Schedule 8— Valuation Report

Schedule 9— Business Purpose Supplement

99.9 Disclosures required by Rule 15G a-2 for StoneHill Group, Inc.

Schedule 1— Narrative

Schedule 2— Business Purpose Supplement Extract

Schedule 3— Rating Agency Grades Detail Report

Schedule 4— Data Compare Report

Schedule 5— Valuation Report

Schedule 6— Rating Agency Grades Summary Report

Schedule 7— ATR or QM Report

Schedule 8— Supplemental Data Extract Report

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
| Dated: September 19, 2025 |  |  |
|  | **PIF RESIDENTIAL FUNDING XV DEPOSITOR LLC** | **PIF RESIDENTIAL FUNDING XV DEPOSITOR LLC** |
|  |  | (Securitizer) |
|  | By: | /s/ Michael Chiao |
|  |  | Name: Michael Chiao |
|  |  | Title: Authorized Person |

---

**EXHIBIT INDEX**

**Exhibit Number**

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Reports – Exceptions and Grades Report

Schedule 3— Lease Securitization Reports – Exceptions Grades Report

Schedule 4— Lease Securitization Reports – Valuation Report

Schedule 5— Lease Securitization Reports – Data Compare Report

Schedule 6— Credit Compare Securitization Reports – Exceptions and Grades Report

Schedule 7— Credit Compare Securitization Reports – Exceptions Grades Report

Schedule 8— Credit Compare Securitization Reports – Valuation Report

Schedule 9— Credit Compare Securitization Reports – Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.3 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Non-ATR QM

Schedule 6— Rating Agency ATR QM

Schedule 7— Valuations Summary

Schedule 8— Waived Conditions Report

Schedule 9— Loan Level Tape Compare

Schedule 10— Standard Upload

99.4 Disclosures required by Rule 15Ga-2 for Maxwell Diligence Solutions LLC

Schedule 1— Narrative

Schedule 2— Standard Exceptions Report

Schedule 3— Grading Report

Schedule 4— Valuation Report

Schedule 5— Supplemental Data Report

Schedule 6— Business Purpose Report

Schedule 7— Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services,
LLC

Schedule 1— Narrative

Schedule 2— Loan Level Exceptions Report

Schedule 3— Exception Report

Schedule 4— Grades Report

Schedule 5— Tape Compare Report

Schedule 6— ATR QM Report

Schedule 7— Business Purpose Supplement

Schedule 8— Valuation Report

99.6 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary Report

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— MLS Report

Schedule 7— Supplemental Data Extract Report

Schedule 8— Multi-Property Extract Report

Schedule 9— Business Purpose Supplemental Extract Report

Schedule 10— Data Compare Report

99.7 Disclosures required by Rule Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Detail Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.8 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1— Narrative

Schedule 2— Review Summary

Schedule 3— Exception Report

Schedule 4— Rating Agency Grades

Schedule 5— Final Tape Compare

Schedule 6— Supplemental Data

Schedule 7— QM ATR Report

Schedule 8— Valuation Report

Schedule 9— Business Purpose Supplement

99.9 Disclosures required by Rule 15G a-2 for StoneHill Group, Inc.

Schedule 1— Narrative

Schedule 2— Business Purpose Supplement Extract

Schedule 3— Rating Agency Grades Detail Report

Schedule 4— Data Compare Report

Schedule 5— Valuation Report

Schedule 6— Rating Agency Grades Summary Report

Schedule 7— ATR or QM Report

Schedule 8— Supplemental Data Extract Report

## Exhibit 99.1

**Exhibit 99.1**

![](amc-bravo_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans acquired by Loan Funding Structure III LLC (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

The mortgage loan review sample was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 205 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Leases Review": 125 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity Review": 330 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (205 Mortgage Loans)</u>**

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

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

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

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible,

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wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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

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

**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.

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

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.

**<u>LEASES SCOPE (125 Mortgage Loans)</u>**

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**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

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

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

**Credit Application:** For the Credit Application, AMC will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC will verify the borrowing entity, if not an individual, is properly documented. In addition, AMC will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

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

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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**Asset Review:** AMC will assess whether the asset documentation required by the guidelines is present in the file. AMC will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>DATA COLLECTION</u>**

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

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

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

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

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

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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:**

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified

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income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the

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appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

**Data Integrity Review (330 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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

**(9) Disclaimer**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions,

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**COMPLIANCE RESULTS SUMMARY**

Please note that 125 Leases Review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 205 mortgage loans under the S&P and DBRS rating criteria, 158 (77.07%) mortgage loans received an "A" compliance grade and 47 (22.93%) mortgage loans received a "B" compliance grade.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P & DBRS Compliance** | &nbsp;&nbsp;**S&P & DBRS Compliance** | &nbsp;&nbsp;**S&P & DBRS Compliance** | &nbsp;&nbsp;**S&P & DBRS Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;47.88% | &nbsp;&nbsp;77.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;14.24% | &nbsp;&nbsp;22.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;125 | &nbsp;&nbsp;37.88% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

Within the securitization population, 264 (80.00%) of the mortgage loans received an "A" credit grade and 66 (20.00%) of the mortgage loans received a "B" credit grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P & DBRS Credit** | &nbsp;&nbsp;**S&P & DBRS Credit** | &nbsp;&nbsp;**S&P & DBRS Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;264 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;66 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population under the S&P & DBRS rating criteria all 330 (100.00%) of the mortgage loans received an "A" property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P & DBRS Property/Valuation** | &nbsp;&nbsp;**S&P & DBRS Property/Valuation** | &nbsp;&nbsp;**S&P & DBRS Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;330 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the S&P & DBRS ratings criteria, 100% of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P & DBRS Overall** | &nbsp;&nbsp;**S&P & DBRS Overall** | &nbsp;&nbsp;**S&P & DBRS Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;231 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;99 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (330 Mortgage Loans)**

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp; 44 |

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;ECOA | &nbsp;&nbsp; 12 |
|  |  | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;9 |
|  |  | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***78*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**78** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***100*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**100** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**178** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY (330 Mortgage Loans)**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;49 | &nbsp;&nbsp;247 | &nbsp;&nbsp;19.84% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;51 | &nbsp;&nbsp;57 | &nbsp;&nbsp;89.47% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;57 | &nbsp;&nbsp;92.98% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;11 | &nbsp;&nbsp;57 | &nbsp;&nbsp;19.30% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;22 | &nbsp;&nbsp;25 | &nbsp;&nbsp;88.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;9 | &nbsp;&nbsp;57 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;140 | &nbsp;&nbsp;13.57% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;20 | &nbsp;&nbsp;51 | &nbsp;&nbsp;39.22% | &nbsp;&nbsp;330 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;30 | &nbsp;&nbsp;238 | &nbsp;&nbsp;12.61% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;45 | &nbsp;&nbsp;49 | &nbsp;&nbsp;91.84% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;38 | &nbsp;&nbsp;42 | &nbsp;&nbsp;90.48% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;330 | &nbsp;&nbsp;2.12% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;11 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;37 | &nbsp;&nbsp;32.43% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;11 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;82 | &nbsp;&nbsp;317 | &nbsp;&nbsp;25.87% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;30 | &nbsp;&nbsp;33 | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;4 | &nbsp;&nbsp;57 | &nbsp;&nbsp;7.02% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;330 | &nbsp;&nbsp;16.06% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;53 | &nbsp;&nbsp;57 | &nbsp;&nbsp;92.98% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;102 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;8 | &nbsp;&nbsp;57 | &nbsp;&nbsp;14.04% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;17 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;273 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;247 | &nbsp;&nbsp;21.46% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;52 | &nbsp;&nbsp;57 | &nbsp;&nbsp;91.23% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;330 | &nbsp;&nbsp;16.06% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;140 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;54 | &nbsp;&nbsp;57 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;330 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;54 | &nbsp;&nbsp;247 | &nbsp;&nbsp;21.86% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;4 | &nbsp;&nbsp;104 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;54 | &nbsp;&nbsp;57 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;53 | &nbsp;&nbsp;57 | &nbsp;&nbsp;92.98% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;28 | &nbsp;&nbsp;140 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;18 | &nbsp;&nbsp;153 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;330 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;10 | &nbsp;&nbsp;140 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;29 | &nbsp;&nbsp;33 | &nbsp;&nbsp;87.88% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;38 | &nbsp;&nbsp;42 | &nbsp;&nbsp;90.48% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;330 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;330 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1243** | &nbsp;&nbsp;**8034** | &nbsp;&nbsp;**15.47%** | &nbsp;&nbsp;**330** |

---

In total, data variances were found on 172 (52.12%) mortgage loans reviewed across 51 unique data fields in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (336 Mortgage Loans)** 

*Some % of Loans may not add to 100% due to rounding*

 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;327 | &nbsp;&nbsp;99.09% | &nbsp;&nbsp;$183470929.00 | &nbsp;&nbsp;97.66% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$4393866.00 | &nbsp;&nbsp;2.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;330 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$187864795.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$687500.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$3095000.00 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;122 | &nbsp;&nbsp;36.97% | &nbsp;&nbsp;$51944290.00 | &nbsp;&nbsp;27.65% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;$4499116.00 | &nbsp;&nbsp;2.39% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;37 | &nbsp;&nbsp;11.21% | &nbsp;&nbsp;$18446371.00 | &nbsp;&nbsp;9.82% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;140 | &nbsp;&nbsp;42.42% | &nbsp;&nbsp;$86574349.00 | &nbsp;&nbsp;46.08% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;22 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;$22618169.00 | &nbsp;&nbsp;12.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;311 | &nbsp;&nbsp;94.24% | &nbsp;&nbsp;$175516039.00 | &nbsp;&nbsp;93.43% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.76% | &nbsp;&nbsp;$12348756.00 | &nbsp;&nbsp;6.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;191 | &nbsp;&nbsp;57.88% | &nbsp;&nbsp;$103250336.00 | &nbsp;&nbsp;54.96% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;23 | &nbsp;&nbsp;6.97% | &nbsp;&nbsp;$6779412.00 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$6552000.00 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;69 | &nbsp;&nbsp;20.91% | &nbsp;&nbsp;$46032307.00 | &nbsp;&nbsp;24.50% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$1225000.00 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;23 | &nbsp;&nbsp;6.97% | &nbsp;&nbsp;$11219167.00 | &nbsp;&nbsp;5.97% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.12% | &nbsp;&nbsp;$6930875.00 | &nbsp;&nbsp;3.69% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$5875698.00 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;173 | &nbsp;&nbsp;52.42% | &nbsp;&nbsp;$126851852.00 | &nbsp;&nbsp;67.52% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;151 | &nbsp;&nbsp;45.76% | &nbsp;&nbsp;$56776943.00 | &nbsp;&nbsp;30.22% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$4236000.00 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**330** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$187864795.00** | &nbsp;&nbsp;**100.00%** |

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17 \| P a g e

## Exhibit 99.1

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| |
|:---|
| ![](situsamc.jpg) |
| **Loan Level Exception - Final Grades** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | 200000399 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000423 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000431 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000447 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000455 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for cash out 6 months ownership seasoning. | BUYER - GENERAL COMMENT (2025-06-13): An approved credit exception was included in the initial shipping package and is in your portal under doc ID XXX.<br> REVIEWER - WAIVED COMMENT (2025-06-13): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount <br> required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline <br> maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline <br> requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum <br> by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least <br> 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000469 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000485 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000486 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000492 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000380 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000381 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000382 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000383 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000384 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000385 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000386 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000387 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000390 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000405 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000411 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000417 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000421 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000422 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000430 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception requested for the verification of rents. The borrower currently rents their primary residence the borrower is one of 5 tenants (XXX) which makes the collective payment to landlord the lease requires $XXXX Rent payment yet the documented payment are XXXX (XXX short per month) per the borrower du to "$XXX credit from the house manager to deal with the LLC" Borrower is FTHB and First time investor. comp factor fico score 20 PTS greater than min Required | REVIEWER - WAIVED COMMENT (2025-06-09): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000432 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender requested an exception which was approved- Per XX Submit for exception-Sketch shows kitchen on the main floor and its quite sizeable, so this may require an exception for unique property/ possible functional obsolescence. Non compliant 2nd kitchen-appraiser calling wetbar due to being propane stove and not gas hookup <br> Comp factors Investor Exp (subject property)LTV 56.13% and 6 months reserves | REVIEWER - RE-GRADED COMMENT (2025-06-09): Client elected to waive exceptions with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-06-09): Client elected to waive exceptions with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000433 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000436 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Lender requested an exception for appraiser states in the addendum that there is no ingress regards to basement, however he is giving value as a 3 bedroom in lieu of a bedroom (emailed to XX previously) submitted for review.<br> Lender requested an exception for property since XXXX was previously owned free and clear prior to refi and only 3 months. | REVIEWER - WAIVED COMMENT (2025-06-09): Client elected to waive exceptions with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-06-09): Client elected to waive exceptions with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000437 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000463 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000465 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000477 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000479 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000493 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000261 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000259 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception:<br> [2] General - Open Tradeline requirement not met.: <br> Credit Report: Original // Borrower: XXXX Borrower has <br> 1 Open Tradelines which is less than the minimum <br> required by guidelines. | Property is a non warrantable condo which is <br> ineligible per guidelines.<br> Borrower is a non permanent resident alien with an <br> expired Visa which is ineligible per guidelines.<br> Borrower does not meet the minimum tradeline <br> requirements of minimum of 3 rated from 12 months, <br> or 2 rated from 24 months. Borrower has 1 tradeline <br> rated for 21 months. | REVIEWER - WAIVED COMMENT (2024-09-27): Lender <br> exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-09-27): Lender <br> exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-09-27): Lender <br> exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000188 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000187 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000337 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Home Improvement |  | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: HURRICANE MILTON<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection of XX/XX/XXXX is dated prior to the most recent FEMA disaster (XX/XX/XXXX). | REVIEWER - WAIVED COMMENT (2024-12-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000323 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%.<br> [2] Credit Eligibility - Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines.: Borrower: XXXX | Lender approved exception allowing LTV to 75% for ITIN borrower with fico of XXX. \*\*\*Update 3/5 - Lender approved exception allowing LTV to 75% for ITIN borrower with fico of XXX.<br> Lender approved exception for borrower living rent free. Signed, rent free letter in file.<br> Lender exception approving LTV up to 75% for ITIN borrower.<br> Lender exception approving LTV up to 75% for ITIN borrower.<br> Lender Exception approved allowing borrower is currently living rent free. Rent free letter is in file. | REVIEWER - WAIVED COMMENT (2025-01-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2025-01-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2025-01-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2025-01-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2025-01-08): Lender Exception with Compensating Factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000434 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000487 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000491 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000499 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000500 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000508 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000260 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000354 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXXX is less than Guideline minimum loan amount of $100,000.00. | Property is marked rural which is ineligible per guidelines.<br> Note loan amount of $XXXX is less than Guideline minimum loan amount of $100,000.00. | REVIEWER - WAIVED COMMENT (2024-10-07): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-10-07): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower has a clean housing payment history<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000306 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000375 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000343 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000304 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000305 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reeserves of XX is less than Guideline PITIA months reeserves of XX. | Required reserves 3 months and verified reeserves of XX months. | BUYER - GENERAL COMMENT (2025-05-15): pc uw exception approval for lack of reserves<br> REVIEWER - GENERAL COMMENT (2025-05-19): Lender exception provided is not signed or dated.<br> REVIEWER - WAIVED COMMENT (2025-05-19): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000292 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | The Guidelines require a POA to have an expiration date which is not reflected on the POA in file. | REVIEWER - WAIVED COMMENT (2025-03-13): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000342 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES<br> Disaster Declaration Date: XX/XX/XXXX |  | BUYER - GENERAL COMMENT (2025-05-28): Disaster reinspection report uploaded.<br> REVIEWER - WAIVED COMMENT (2025-05-30): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date. | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000264 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000303 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000255 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX% exceeds Guideline combined loan to value percentage of XX%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Max LTV for a fico of XXX is 70% and subject LTV is XX%.<br> Max LTV for a fico of XXX is 70% and subject LTV is XX%. | REVIEWER - WAIVED COMMENT (2025-08-05): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-08-05): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000363 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000302 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000263 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000273 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000280 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000362 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000272 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000185 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000320 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Subject property acreage exceeds max acreage per guidelines (max per guidelines is 2 and subject property is XX.<br> The subject property is marked rural which is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2025-08-05): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-06-24): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000256 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Home Improvement |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000254 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000351 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000345 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000230 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | The Borrower only has XX% ownership in the entity that the property is currently vested in. Guidelines required a minimum of 50% for a cash out refinance when vested in an LLC.<br> The Borrower has XX financed properties and guidelines allow a max of 5 properties per borrower. | BUYER - GENERAL COMMENT (2025-04-29): XX approval of ownership interest in business<br> REVIEWER - WAIVED COMMENT (2025-05-01): Lender exception with compensating factors.<br> BUYER - GENERAL COMMENT (2025-04-29): XX approval of financed properties<br> REVIEWER - WAIVED COMMENT (2025-05-01): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000229 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000218 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000374 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000198 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000367 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | The subject property is a non warrantable condo which is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2025-06-25): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's Experience/Track Record<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000208 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000223 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | The borrower is living rent free (Guidelines require verification of primary housing for 1st time investors). | REVIEWER - WAIVED COMMENT (2025-06-25): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000221 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000184 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000360 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000209 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000228 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000278 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000368 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000319 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000336 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000290 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000314 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000241 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | The subject property is a non warrantable condo which is ineligible per guidelines. | REVIEWER - RE-GRADED COMMENT (2025-07-08): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-07-08): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000196 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000313 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000243 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000312 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000197 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000248 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000205 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Primary residence is not superior to the subject property (Guidelines requires borrower's primary residence be superior to the subject when purchasing a 1 unit property).Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br> Borrower 2 living rent free (Guideline require verification of primary residence for all 1st time investors).Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | BUYER - GENERAL COMMENT (2025-05-14): Underwriting Parameter Exception approved by XX. Compensating factors are listed on the Non-Agency Loan Approval that is uploaded below. To help validate the compensating factors, XX XXXX Account ending in XXXX should be included in the assets on the LAS Report. Additionally, a more updated print out for the XXXX account ending in XXXX has been uploaded as well.<br> REVIEWER - WAIVED COMMENT (2025-05-16): Client elects to waive with compensating factors.<br> BUYER - GENERAL COMMENT (2025-05-14): Underwriting Parameter Exception approved by XX. Compensating factors are listed on the Non-Agency Loan Approval that is uploaded below. To help validate the compensating factors, XX XXXX Account ending in XXXX should be included in the assets on the LAS Report. Additionally, a more updated print out for the XXXX account ending in XXXX has been uploaded as well.<br> REVIEWER - WAIVED COMMENT (2025-05-16): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000207 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000182 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000335 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000334 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000331 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000269 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Minimum sq ft not met. Guideline requirement is 600 sq ft, subject unit is 576 (other unit 777 sq ft). | REVIEWER - WAIVED COMMENT (2025-08-05): Lender exception with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000366 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Guideline Issue - Credit history reflects lates that do not meet guidelines.: Credit Report: Original // Borrower:XXXX Credit history reflects a total of 4 reported late payments. | Mortgage lates exceeded. Guideline requirement is 1x30, borrower has 3x30. | REVIEWER - WAIVED COMMENT (2025-05-09): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000225 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000333 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000226 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000233 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000200 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX |  | REVIEWER - WAIVED COMMENT (2025-05-15): Lender Exception with Compensating Factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000245 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance Policy Effective Date is after closing, no existing policy provided in file. | BUYER - GENERAL COMMENT (2025-05-21): Post-closing exception attached.<br> REVIEWER - WAIVED COMMENT (2025-05-23): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000215 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000227 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000234 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000332 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000328 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | X financed properties exceed maximum guidelines threshold of 5. | REVIEWER - WAIVED COMMENT (2025-05-19): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000287 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000212 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000267 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXXX is less than Guideline minimum loan amount of $100,000.00. | Guidelines minimum loan amount is 100,000.00. loan amountbis $XXXX. | REVIEWER - WAIVED COMMENT (2025-05-21): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000179 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000329 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000190 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000239 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000246 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | 200000191 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Guideline Issue - Credit history reflects lates that do not meet guidelines.: Credit Report: Original // Borrower: XXXX Credit history reflects a total of 1 reported late payments. | Payoff of mortgage past maturity date. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br> Credit report reflects 1 late payment.Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. | BUYER - GENERAL COMMENT (2025-06-06): XX approval with XX uploaded.<br> REVIEWER - WAIVED COMMENT (2025-06-10): Client elects to waive with compensating factors.<br> BUYER - GENERAL COMMENT (2025-06-06): XX approval with XX uploaded.<br> REVIEWER - WAIVED COMMENT (2025-06-10): Client elects to waive with compensating factors. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous |  | - B |  |  |  |  | A B |
| XXXX | XXXX | 200000247 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |

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## Exhibit 99.1

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| ![](situsamc.jpg) |
| **Exception Grades** |

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| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 200000455 |  | 34226071 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for cash out 6 months ownership seasoning. | Borrower's monthly reserves have been verified and <br> exceed the amount required based on the guidelines <br> by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less <br> than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than <br> the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the <br> guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline <br> minimum by at least 40 points. | Reserves: XX<br> Guideline Requirement: 6.00<br>Loan to Value: XX%<br> Guideline Maximum Loan to Value: XX%<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-13): Client elects to waive <br> with compensating factors.<br>Buyer Comment (2025-06-13): An approved credit <br> exception was included in the initial shipping package <br> and is in your portal under doc ID XXX. |  |  | XX/XX/XXXX 3:12:42 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000430 |  | 34226101 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requested for the verification of rents. The <br> borrower currently rents their primary residence the <br> borrower is one of 5 tenants (XXX) which makes the <br> collective payment to landlord the lease requires $XXXX <br> Rent payment yet the documented payment are XXXX <br> (XXX short per month) per the borrower du to "$XXX <br> credit from the house manager to deal with the LLC" <br> Borrower is FTHB and First time investor. comp factor <br> fico score 20 PTS greater than min Required | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.66<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-09): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 1:05:44 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000432 |  | 34226106 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved- Per XX Submit for exception-Sketch shows kitchen on the main floor and its quite sizeable, so this may require an exception for unique property/ possible functional obsolescence. Non compliant 2nd kitchen-appraiser calling wetbar due to being propane stove and not gas hookup <br> Comp factors Investor Exp (subject property)LTV 56.13% and 6 months reserves | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXX<br> Representative FICO: XXX | SitusAMC | Reviewer Comment (2025-06-09): Client elected to waive exceptions with compensating factors. |  |  | XX/XX/XXXX 4:13:33 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000436 |  | 34226109 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception for property since XXXX was previously owned free and clear prior to refi and only 3 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XX<br> Guideline Requirement: 6.00 | Aggregator,SitusAMC | Reviewer Comment (2025-06-09): Client elected to waive exceptions with compensating factors. |  |  | XX/XX/XXXX 5:11:35 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000436 |  | 34226110 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception for appraiser states in the addendum that there is no ingress regards to basement, however he is giving value as a 3 bedroom in lieu of a bedroom (emailed to XX previously) submitted for review. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XX<br> Guideline Requirement: 6.00 | Aggregator,SitusAMC | Reviewer Comment (2025-06-09): Client elected to waive exceptions with compensating factors. |  |  | XX/XX/XXXX 5:11:47 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000259 |  | 34399500 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a non permanent resident alien with an expired Visa which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves exceed guideline requirements by at least 4 months.<br>Excellent credit management with FICO 720+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-27): Lender exception with compensating factors. |  |  | XX/XX/XXXX 2:11:35 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000259 |  | 34399501 |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has ___ Open Tradelines which is less than <br> the minimum required by guidelines. | Borrower does not meet the minimum tradeline requirements of minimum of 3 rated from 12 months, or 2 rated from 24 months. Borrower has 1 tradeline rated for 21 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves exceed guideline requirements by at least 4 months.<br>Excellent credit management with FICO 720+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-27): Lender exception with compensating factors. |  |  | XX/XX/XXXX 2:11:49 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000259 |  | 34399502 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a non warrantable condo which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves exceed guideline requirements by at least 4 months.<br>Excellent credit management with FICO 720+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-27): Lender exception with compensating factors. |  |  | XX/XX/XXXX 2:12:11 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000337 |  | 34399522 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation <br> inspection is dated prior to the most recent FEMA <br> disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The most recent valuation inspection of XX/XX/XXXX is dated prior to the most recent FEMA disaster (XX/XX/XXXX). | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA <br> declaration of disaster end date. Date of disaster: <br> 10/11/24 | SitusAMC,Originator | Reviewer Comment (2024-12-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | XX/XX/XXXX 12:33:17 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Home Improvement | B | A |  | N/A | No |
| XXXX | XXXX | 200000323 |  | 34399550 |  | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. |  | Lender Exception approved allowing borrower is currently living rent free. Rent free letter is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 5:30:22 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000323 |  | 34399552 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender exception approving LTV up to 75% for ITIN borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 5:30:03 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000323 |  | 34399551 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approving LTV up to 75% for ITIN borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 5:30:12 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000323 |  | 34399547 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free. Signed, rent free letter in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 5:30:36 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000323 |  | 34399546 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing LTV to 75% for ITIN borrower with fico of XXX. \*\*\*Update 3/5 - Lender approved exception allowing LTV to 75% for ITIN borrower with fico of XXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 5:30:44 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000354 |  | 34399628 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $XXXX is less than Guideline minimum loan amount of $100,000.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Borrower has a clean housing payment history | Prior homeownership experience (No FC or Short Sale).<br>Multiple mortgages (2+) reported on credit seasoned 12+ months & 0x30. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-07): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:00:54 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000354 |  | 34399629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Borrower has a clean housing payment history | Prior homeownership experience (No FC or Short Sale).<br>Multiple mortgages (2+) reported on credit seasoned 12+ months & 0x30. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-07): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:01:24 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000305 |  | 34399662 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reeserves of XX_ is less than Guideline PITIA months reeserves of XX_. | Required reserves 3 months and verified reeserves of XX months. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Multiple mortgages (2+) reported on credit seasoned 12+ months and 0x30.<br>Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2025-05-19): Lender exception with compensating factors.<br>Reviewer Comment (2025-05-19): Lender exception provided is not signed or dated.<br>Buyer Comment (2025-05-15): pc uw exception approval for lack of reserves |  |  | XX/XX/XXXX 12:11:47 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000292 |  | 34399670 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guidelines require a POA to have an expiration date which is not reflected on the POA in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Low default risk with equity, LTV 10% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-13): Lender exception with compensating factors. |  |  | XX/XX/XXXX 3:16:14 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000342 |  | 34399682 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | SitusAMC,Originator | Reviewer Comment (2025-05-30): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.<br>Buyer Comment (2025-05-28): Disaster reinspection report uploaded. |  |  | XX/XX/XXXX 8:48:21 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000255 |  | 34399709 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV for a fico of XXX is 70% and subject LTV is XX%. | Miscellaneous<br>Miscellaneous<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Prior homeownership Experience (No FC or SS)<br>Substantial cash reserves<br>Substantial cash reserves. | Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-05): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:01:14 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000255 |  | 34399710 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV for a fico of XXX is 70% and subject LTV is XX%. | Miscellaneous<br>Miscellaneous<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Prior homeownership Experience (No FC or SS)<br>Substantial cash reserves<br>Substantial cash reserves. | Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-05): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:01:21 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000320 |  | 34399774 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Substantial cash reserves.<br>Excellent credit management with FICO 720+.<br>Prior homeownership Experience (No FC or SS)<br>Low default risk with substantial equity, LTV 25% lower than matrix. | Originator,SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | XX/XX/XXXX 3:17:35 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000320 |  | 34399775 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property acreage exceeds max acreage per guidelines (max per guidelines is 2 and subject property is XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Substantial cash reserves.<br>Excellent credit management with FICO 720+.<br>Prior homeownership Experience (No FC or SS)<br>Low default risk with substantial equity, LTV 25% lower than matrix. | Originator,SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-05): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:43:36 PM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000230 |  | 34399827 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower has XX financed properties and guidelines allow a max of 5 properties per borrower. | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Low default risk with equity, LTV 10% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-01): Lender exception with compensating factors.<br>Buyer Comment (2025-04-29): XX approval of financed properties |  |  | XX/XX/XXXX 10:44:51 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000230 |  | 34399828 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower only has XX% ownership in the entity that the property is currently vested in. Guidelines required a minimum of 50% for a cash out refinance when vested in an LLC. | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Low default risk with equity, LTV 10% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-01): Lender exception with compensating factors.<br>Buyer Comment (2025-04-29): XX approval of ownership interest in business |  |  | XX/XX/XXXX 10:44:37 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000367 |  | 34399877 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non warrantable condo which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Borrower's Experience/Track Record | Prior homeownership experience (No FC or Short Sale).<br>Borrower's Experience/Track Record. The borrower has: 2 Years of Experience. | SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-06-25): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:35:37 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000223 |  | 34399891 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is living rent free (Guidelines require verification of primary housing for 1st time investors). | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Excellent credit management with FICO 720+.<br>Low default risk with equity, LTV 10% lower than matrix.<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-25): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:48:09 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000241 |  | 34399986 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non warrantable condo which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender exception with compensating factors. |  |  | XX/XX/XXXX 7:05:42 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000205 |  | 34400033 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower 2 living rent free (Guideline require verification of primary residence for all 1st time investors).Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Substantial cash reserves.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-14): Underwriting Parameter Exception approved by XX. Compensating factors are listed on the Non-Agency Loan Approval that is uploaded below. To help validate the compensating factors, XX XXXX Account ending in XXXX should be included in the assets on the LAS Report. Additionally, a more updated print out for the XXXX account ending in XXXX has been uploaded as well. |  |  | XX/XX/XXXX 8:42:27 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000205 |  | 34400032 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence is not superior to the subject property (Guidelines requires borrower's primary residence be superior to the subject when purchasing a 1 unit property).Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Substantial cash reserves.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-14): Underwriting Parameter Exception approved by XX. Compensating factors are listed on the Non-Agency Loan Approval that is uploaded below. To help validate the compensating factors, XX XXXX Account ending in XXXX should be included in the assets on the LAS Report. Additionally, a more updated print out for the XXXX account ending in XXXX has been uploaded as well. |  |  | XX/XX/XXXX 8:42:16 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000269 |  | 34400073 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum sq ft not met. Guideline requirement is 600 sq ft, subject unit is 576 (other unit 777 sq ft). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Substantial cash reserves.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-05): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:12:51 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000366 |  | 34400082 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Mortgage lates exceeded. Guideline requirement is 1x30, borrower has 3x30. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Low default risk with equity, LTV 10% lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 10:48:02 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000200 |  | 34400113 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO 720+.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-15): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 12:02:36 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000245 |  | 34400118 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date is after closing, no existing policy provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent Credit Management with FICO 720+.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-21): Post-closing exception attached. |  |  | XX/XX/XXXX 8:57:11 AM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000328 |  | 34400150 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | X financed properties exceed maximum guidelines threshold of 5. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous | Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Excellent Credit Management with FICO 720+. | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-19): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 5:17:34 PM | 2 B |  | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 200000267 |  | 34400167 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Guidelines minimum loan amount is 100,000.00. loan amountbis $XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Excellent Credit Management with FICO 720+.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-21): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 8:45:48 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 200000191 |  | 34400190 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Credit report reflects 1 late payment.Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Substantial cash reserves.<br>Total monthly payment savings of $500 or more per month. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-06): XX approval with XX uploaded. |  |  | XX/XX/XXXX 11:48:43 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | 200000191 |  | 34400191 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Payoff of mortgage past maturity date. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Substantial cash reserves.<br>Total monthly payment savings of $500 or more per month. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-06): XX approval with XX uploaded. |  |  | XX/XX/XXXX 11:48:31 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |

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## Exhibit 99.1

**Valuation Report**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 200000399 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 200000423 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 200000431 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000447 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 200000455 |  |  |  |  |  |  |  | 6.110% |  |  |  | Appraisal |  |  |  |  |  |  | 6.110% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000486 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000492 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000380 |  |  |  |  |  |  |  | 12.940% |  |  |  | Appraisal |  |  |  |  |  |  | 5.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 200000382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000384 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| XXXX | XXXX | 200000385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| XXXX | XXXX | 200000386 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| XXXX | XXXX | 200000390 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.950% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000411 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| XXXX | XXXX | 200000421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000432 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000436 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000437 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 200000465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| XXXX | XXXX | 200000477 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000479 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 200000493 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000261 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | 200000188 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000187 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| XXXX | XXXX | 200000337 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | 200000323 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000491 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 200000499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.650% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 200000508 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | 200000260 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | 200000306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000375 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000343 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 200000304 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000264 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | 200000303 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| XXXX | XXXX | 200000255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX | XXXX | 200000363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000263 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000280 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000362 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000185 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | XXXX | 200000320 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| XXXX | XXXX | 200000256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000254 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.610% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000351 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 200000230 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| XXXX | XXXX | 200000218 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000374 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| XXXX | XXXX | 200000198 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.290% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| XXXX | XXXX | 200000367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000208 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| XXXX | XXXX | 200000223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000184 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000360 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX | XXXX | 200000209 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| XXXX | XXXX | 200000228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| XXXX | XXXX | 200000278 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000368 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000319 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.220% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX | XXXX | 200000314 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | XXXX | 200000241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000196 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000313 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXXX | XXXX | 200000243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 200000312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 200000197 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| XXXX | XXXX | 200000248 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | 200000205 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000207 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000182 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXXX | XXXX | 200000334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000331 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | 200000269 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 200000226 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | 200000200 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | 200000245 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.560% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| XXXX | XXXX | 200000227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | 200000234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| XXXX | XXXX | 200000332 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000287 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000212 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | 200000179 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000329 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000190 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.110% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000239 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| XXXX | XXXX | 200000246 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000191 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000247 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |

---

## Exhibit 99.1

---

| |
|:---|
| ![](situsamc.jpg) |
| **Data Compare** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 200000384 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000399 |  |  | Representative FICO | XXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all <br> borrowers |
| XXXX | XXXX | 200000399 |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000423 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction. |
| XXXX | XXXX | 200000431 |  |  | Representative FICO | XXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000447 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction |
| XXXX | XXXX | 200000447 |  |  | Original CLTV |  | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000390 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000455 |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000455 |  |  | Contract Sales Price | 0.00 | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000469 |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000469 |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.12 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| XXXX | XXXX | 200000430 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Borrower EIN |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000486 |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000399 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000455 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000492 |  |  | Original CLTV |  | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000486 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000492 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000380 |  |  | Contract Sales Price | 0.00 | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000380 |  |  | Original CLTV |  | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000380 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000381 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000381 |  |  | Contract Sales Price | 0.00 | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000382 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000384 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000382 |  |  | Contract Sales Price | 0.00 |  | Ignored | Unable to verify due to missing information |
| XXXX | XXXX | 200000385 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000390 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000411 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000383 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000430 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000383 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000383 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000383 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000384 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000383 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000383 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000383 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000383 |  |  | Original HLTV |  | 53.33963 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000383 |  |  | PITIA Reserves Months | 6.00 | 35.26 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000383 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000383 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000487 |  |  | Borrower First Name | XXXX |  | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000500 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000508 |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000399 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000384 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000455 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000384 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000384 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000385 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000386 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000384 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000384 |  |  | Original HLTV |  | 19.27711 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | PITIA Reserves Months | 12.00 | 53.42 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000486 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000492 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000380 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000381 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000382 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000385 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000384 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000385 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000385 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000387 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000385 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000385 |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000390 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000385 |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | PITIA Reserves Months | 46.00 | 6.02 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Loan to Cost (LTC) |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000385 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000390 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000411 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000430 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000386 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000436 |  |  | Borrower Last Name | XXXX | XXXX | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000386 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000386 |  |  | Property Type |  | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000386 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000405 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000411 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000417 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000386 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000386 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000386 |  |  | Original HLTV |  | 45.58011 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | PITIA Reserves Months | 6.00 | 65.19 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Loan to Cost (LTC) |  | 220 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000487 |  |  | Borrower Last Name | XXXX | XXXX | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000500 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000508 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000387 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000354 |  |  | Borrower Last Name | XXXX | XXXX | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000387 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000387 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000421 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000387 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000422 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000387 |  |  | Investor: Qualifying Total Debt Ratio | 28.35 |  | Verified | DSCR Loan |
| XXXX | XXXX | 200000387 |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | PITIA Reserves Months | 23.00 | 25.05 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000387 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000304 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000264 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000302 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000374 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000390 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000184 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000390 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000390 |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000390 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000430 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000432 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000433 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000390 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000390 |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | PITIA Reserves Months | 6.00 | 26.71 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Loan to Cost (LTC) |  | 109.61538 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000360 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000319 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000312 |  |  | Borrower Last Name | XXXX | XXXX | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000248 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000182 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000226 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000405 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000328 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000405 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000405 |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000405 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000436 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000405 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000405 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000437 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000405 |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | PITIA Reserves Months | 17.00 | 15.28 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Loan to Cost (LTC) |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000212 |  |  | Borrower Last Name | XXXX | XXXX | Ignored | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000383 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000386 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000387 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000405 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000411 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000417 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000411 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000411 |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000411 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000463 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000465 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000477 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000411 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000411 |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | PITIA Reserves Months | 6.00 | 7.23 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Loan to Cost (LTC) |  | 80.52147 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000422 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000432 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000433 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000417 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000437 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000417 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000417 |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000417 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000479 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000417 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000493 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000417 |  |  | Original HLTV |  | 46.71989 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | PITIA Reserves Months | 6.00 | 8.92 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Loan to Cost (LTC) |  | 46.71989 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000465 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000477 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000479 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000421 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000493 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000421 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000421 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000434 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000421 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000491 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000421 |  |  | Original HLTV |  | 57.55396 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | PITIA Reserves Months | 6.00 | 46.81 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Loan to Cost (LTC) |  | 57.55396 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000491 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000499 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000384 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000411 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000422 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000421 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000422 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000422 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000499 |  |  | Appraisal Effective Date |  | XX/XX/XXXX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000422 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000422 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000385 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | PITIA Reserves Months | 6.00 | 44.29 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000422 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | Coborrower Last Name |  | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000422 |  |  | Coborrower Last Name |  | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000432 |  |  | Coborrower Last Name |  | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000405 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000430 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000422 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000430 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000430 |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000430 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000387 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000430 |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000405 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | PITIA Reserves Months | 6.00 | 106.37 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Loan to Cost (LTC) |  | 68.29268 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000383 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000384 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000385 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000386 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000387 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000432 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000390 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000432 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000432 |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000417 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000432 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000432 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000421 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Original HLTV |  | 57.29032 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | PITIA Reserves Months | 18.00 | 24.45 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000432 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000405 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000411 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000417 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000421 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000433 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000422 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000433 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000433 |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000433 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000422 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000433 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000433 |  |  | Original HLTV |  | 62.5528 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | PITIA Reserves Months | 6.00 | 23.86 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000432 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000433 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000436 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000436 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000437 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000436 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000436 |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000436 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000432 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000436 |  |  | Original HLTV |  | 65 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | PITIA Reserves Months | 16.00 | 13.71 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000436 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000465 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000477 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000479 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000437 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000493 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000437 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000437 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000463 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000465 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | PITIA Reserves Months | 12.00 | 102.84 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Loan to Cost (LTC) |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000437 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000491 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000499 |  |  | First Payment Date |  | XX/XX/XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000463 |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000383 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000463 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000463 |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000463 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000493 |  |  | Cash From Borrower |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000463 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000434 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | PITIA Reserves Months | 6.00 | 409.46 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Loan to Cost (LTC) |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000463 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000384 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000385 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000386 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000465 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000387 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000465 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000465 |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000499 |  |  | Cash From Borrower |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Product Description | XXX | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000383 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Original HLTV |  | 78.66667 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | PITIA Reserves Months | 13.00 | 8.96 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Loan to Cost (LTC) |  | 78.66667 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000465 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000390 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000405 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000411 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000477 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000417 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000477 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000477 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000384 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000386 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000477 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000477 |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | PITIA Reserves Months | 6.00 | 9.33 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000477 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000421 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000422 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000430 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000479 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000432 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000479 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000479 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000390 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000411 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000479 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000479 |  |  | Original HLTV |  | 65 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | PITIA Reserves Months | 6.00 | 94.94 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Loan to Cost (LTC) |  | 172.44876 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000479 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000433 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000436 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000437 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000463 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000493 |  |  | Original P&I |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000493 |  |  | Interest Only |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000436 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000493 |  |  | Product Description | XXX | Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | 200000493 |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000477 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000493 |  |  | Original HLTV |  | 80 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000493 |  |  | PITIA Reserves Months | 6.00 | 67.84 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000493 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000493 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000493 |  |  | Loan to Cost (LTC) |  | 80 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000493 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000493 |  |  | Blanket Mortgage? |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000188 |  |  | Original Interest Rate | 8.125 | 8.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 200000188 |  |  | Original P&I | XXXX | XXXX | Verified | Final CD and first payment letter reflects $1987.25. |
| XXXX | XXXX | 200000188 |  |  | LTV Valuation Value | XXXX | XXXX | Verified | 2 appraisal in file and used the lower of the 2 values. |
| XXXX | XXXX | 200000337 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000465 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000477 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000479 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000493 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000434 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000434 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000434 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000434 |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000434 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000479 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000491 |  |  | Cash To Borrower | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | PITIA Reserves Months | 12.00 | 11.15 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Universal Loan Identifier (ULI) |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000434 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000491 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000499 |  |  | Maturity Date |  | XX/XX/XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000487 |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000487 |  |  | Original CLTV | 75 | 72.44318 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000487 |  |  | Original LTV | 75 | 72.44318 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000487 |  |  | LTV Valuation Value | XXXX | XXXX | Ignored | Field value reflects source document |
| XXXX | XXXX | 200000383 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000384 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000385 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000491 |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000386 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000491 |  |  | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000491 |  |  | Interest Only |  | 1 | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000386 |  |  | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000390 |  |  | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000491 |  |  | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000491 |  |  | Neg Am |  | 0 | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000491 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000491 |  |  | Original HLTV |  | 70 | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000491 |  |  | PITIA Reserves Months | 6.00 | 19.93 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000491 |  |  | Last Property Transfer Date |  | XX/XX/XXXX | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000491 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000491 |  |  | Blanket Mortgage? |  | 0 | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000387 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000390 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000405 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000499 |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000411 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000499 |  |  | Original P&I |  | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000499 |  |  | Property Type |  | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000499 |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000411 |  |  | Contract Sales Price |  | XXXX | Verified | Refinance Transaction |
| XXXX | XXXX | 200000499 |  |  | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000479 |  |  | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000499 |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | PITIA Reserves Months | 12.00 | 28.80 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | Loan to Cost (LTC) |  | 75 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | Appraisal As-Is Value | XXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000499 |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000417 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Security Instrument |
| XXXX | XXXX | 200000421 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000422 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000500 |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.03 | Verified | Field value reflects source document |
| XXXX | XXXX | 200000430 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000432 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000508 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000260 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000433 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000354 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the Approval/AUS |
| XXXX | XXXX | 200000306 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000375 |  |  | Contract Sales Price | 0.00 |  | Ignored | The subject loan transaction is a refinance. |
| XXXX | XXXX | 200000343 |  |  | Contract Sales Price | 0.00 |  | Ignored | The subject loan transaction is a refinance. |
| XXXX | XXXX | 200000436 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000304 |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000342 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000342 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000437 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000264 |  |  | Contract Sales Price | 0.00 | XXXX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000255 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000255 |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Borrower owned property > 12 months and not receiving cash out paying off seasoned lien. |
| XXXX | XXXX | 200000463 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000302 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000280 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000362 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000185 |  |  | Contract Sales Price | 0.00 | XXXX | Ignored | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000320 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000256 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000254 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000351 |  |  | Contract Sales Price | 0.00 |  | Ignored | Unable to verify due to missing information |
| XXXX | XXXX | 200000345 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000230 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000465 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000374 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance. |
| XXXX | XXXX | 200000198 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance Transaction file. |
| XXXX | XXXX | 200000367 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction |
| XXXX | XXXX | 200000208 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction |
| XXXX | XXXX | 200000477 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000479 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000360 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000278 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| XXXX | XXXX | 200000368 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| XXXX | XXXX | 200000493 |  |  | Note Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000319 |  |  | Contract Sales Price | 0.00 |  | Ignored | This is a Refinance transaction. |
| XXXX | XXXX | 200000336 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000290 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000290 |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000314 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Tranasction. |
| XXXX | XXXX | 200000434 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000313 |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 200000491 |  |  | Note Date |  | XX/XX/XXXX | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000499 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000248 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| XXXX | XXXX | 200000433 |  |  | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000182 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000182 |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000335 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000334 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000334 |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000331 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance Case |
| XXXX | XXXX | 200000366 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000366 |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000225 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction. |
| XXXX | XXXX | 200000333 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000434 |  |  | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000233 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000215 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction file. |
| XXXX | XXXX | 200000234 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000332 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000500 |  |  | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000241 |  |  | Zip | XXXX | XXXX | Ignored | Field Value reflects Zip per Note |
| XXXX | XXXX | 200000212 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000267 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance transaction |
| XXXX | XXXX | 200000179 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000329 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| XXXX | XXXX | 200000239 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000246 |  |  | Contract Sales Price | 0.00 |  | Ignored | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000246 |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000191 |  |  | Contract Sales Price | 0.00 |  | Ignored | Refinance |
| XXXX | XXXX | 200000191 |  |  | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000247 |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |

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## Exhibit 99.1

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| |
|:---|
| ![](situsamc.jpg) |
| **Loan Level Exception - Final Grades** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 200000388 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance <br> Violation With Sufficient Cure Provided At Closing: <br> TILA-RESPA Integrated Disclosure: Zero Percent Fee <br> Tolerance exceeded for Transfer Tax. Fee Amount of <br> $10,557.50 exceeds tolerance of $10,155.41. Sufficient <br> or excess cure was provided to the borrower at <br> Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance <br> Violation With Sufficient Cure Provided At Closing: <br> Transfer tax fee amount of $10,557.50 exceeds <br> tolerance of $10,155.41. Sufficient or excess cure was <br> provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-05-21): Sufficient <br> Cure Provided At Closing |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount <br> required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase <br> transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline <br> maximum.<br>The representative FICO score exceeds the guideline minimum by at least <br> 40 points. |  | - A |
| XXXX | XXXX | 200000389 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000391 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $XXXexceeds tolerance of $62,745.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (2025-05-22): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000392 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower received revised copy of appraisal on XX/XX/XXXX. Appraisal was not provided at or before closing on XX/XX/XXXX. | SELLER - GENERAL COMMENT (2025-05-30): RNT0000040716 DO Appraisal Waiver and Closing Appraisal.pdf (Unclassified) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-03): Exception remains, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing. Provided Appraisal notice contains Appraisal delivered on XX/XX/XXXX which is post close date XX/XX/XXXX.<br> SELLER - GENERAL COMMENT (2025-06-06): Appraisal 3 Day Waiver<br> Do Appraisal Waiver.pdf (Appraisal) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-09): Provided Appraisal notice contains Appraisal delivered on XX/XX/XXXX which is post close date XX/XX/XXXX, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing, Exception remains.<br> BUYER - WAIVED COMMENT (2025-06-18): XXXXacknowledges and waives this non-material EV2 finding | Federal Compliance - ECOA Appraisal - Appraisal Not <br> Provided at or Before Closing (3-Day Waiver In File): <br> There is generally no Assignee Liability. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000393 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000394 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $105.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-06-03): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000395 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000396 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception in file requested for missing 12 <br> month bank statements for Rental payments. LOE from <br> borrower states payments are made via money orders <br> bought with cash. Borrower has no tradelines <br> reporting activity within the last 24 months and Rental <br> payments not on CBR are only eligible for tradeline <br> usage if documented with bank records. With Lender <br> Exception approval for no bank records on rental <br> history the borrower still leaves the borrower short on <br> 1 tradeline to meet the guideline requirement of 2 <br> tradelines active within the last 24 months. \*\*\*Unable <br> to downgrade/waive due to missing lender <br> compensating factors for exception\*\*\*. | SELLER - GENERAL COMMENT (2025-06-04): Added <br> comp factors to 1008<br> XXXX 1008.pdf (Unclassified) was uploaded<br> REVIEWER - WAIVED COMMENT (2025-06-06): Client <br> elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000397 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000398 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000400 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $170.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-05-30): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 200000401 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000402 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000403 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $163.92 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing. | REVIEWER - CURED COMMENT (2025-06-03): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 200000404 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception request for loan amount above guideline maximum of $2.5MM is approved. | REVIEWER - WAIVED COMMENT (2025-06-03): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 200000406 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000407 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000408 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:SecondaXX/XX/XXXX025)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Revised Appraisal report dated XX/XX/XXXX was not provided on or before the Note date of XX/XX/XXXX.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Revised Appraisal report dated XX/XX/XXXX was not provided on or before the Note date of XX/XX/XXXX. | SELLER - GENERAL COMMENT (2025-06-11): XXXXXXXXX Appraisal Delivery.pdf (Delivery Confirmation) was referenced<br> REVIEWER - GENERAL COMMENT (2025-06-16): Unable to confirms if borrower received appraisal with report date XX/XX/XXXX.<br> BUYER - WAIVED COMMENT (2025-06-18): XXXXacknowledges and waives this non-material ECOA finding<br> SELLER - GENERAL COMMENT (2025-06-11): Initial reports delivered timely. The revised report had a minor revision of the contract section being updated<br> XXXXXXXXX Appraisal Delivery.pdf (Delivery Confirmation) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-12): Appraisal was sent to borrower but missing acknowledgement that borrower received appraisal prior to or at closing. exception remains.<br> BUYER - WAIVED COMMENT (2025-06-18): XXXXacknowledges and waives this non-material ECOA finding | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000409 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000410 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000412 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000413 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000414 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000415 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 200000416 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<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.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000418 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000419 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A |
| XXXX | XXXX | 200000420 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000424 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000425 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $111.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing | REVIEWER - CURED COMMENT (2025-06-09): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000426 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file showing borrower received copy of appraisal. | BUYER - WAIVED COMMENT (2025-07-02): EV2 acknowledged. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000427 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000428 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A |
| XXXX | XXXX | 200000429 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000435 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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 $102.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee increased from $100.00 to $102.00 without any valid changed circumstances. No Cure was provided. | BUYER - GENERAL COMMENT (2025-06-18): PCCD cure documentation uploaded for review.<br> REVIEWER - GENERAL COMMENT (2025-06-19): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. However, the provided Copy of refund check is cutoff from bottom. Kindly provide complete copy of refund check in order to cure the exception.<br> BUYER - GENERAL COMMENT (2025-06-20): Clearer copy of check uploaded for review.<br> REVIEWER - CURED COMMENT (2025-06-23): SItusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A B |
| XXXX | XXXX | 200000438 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000439 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00. |  | - A |
| XXXX | XXXX | 200000440 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A |
| XXXX | XXXX | 200000441 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception request for XX% LTVwhen 75% LTV is max due to declining market is approved. | REVIEWER - WAIVED COMMENT (2025-06-11): Client elects to waive with compensating factors. | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $89.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Verification of employment fee amount of $89.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-06-11): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000442 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000443 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $180.00 plus 10% or $198.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2025-06-10): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000444 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000445 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000446 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 200000448 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - A |
| XXXX | XXXX | 200000449 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000450 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000451 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): No evidence in file showing borrower received original copy of appraisal. | SELLER - GENERAL COMMENT (2025-06-17): Evidnece of Appraisal waiver<br> 37385 To Appraisal Waiver.pdf (Delivery Confirmation) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-20): Unable to clear. Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation.<br> SELLER - GENERAL COMMENT (2025-06-20): An appraisal Waiver was also provided, so it should be sufficient...no?<br> REVIEWER - GENERAL COMMENT (2025-06-23): Exception remains: The applicant cannot waive the three-business-days-before-closing deadline under the HPML Appraisal Rule.<br> BUYER - WAIVED COMMENT (2025-06-23): XXXXacknowledges and waives this non-material EV2 finding.<br> REVIEWER - WAIVED COMMENT (2025-06-23): Client elects to waive. | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000453 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000454 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000456 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception request for 4% seller concession at XX% LTVvs guideline max of 3% is approved. | REVIEWER - WAIVED COMMENT (2025-06-13): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000458 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000459 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000460 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000461 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000462 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $693.00 exceeds tolerance of $270.00 plus 10% or $297.00. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $19.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75117) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total fee amount of $693.00 exceeds tolerance of $270.00 plus 10% or $297.00. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit report re-issue amount of $19.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-06-13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-06-13): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000466 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 200000467 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A |
| XXXX | XXXX | 200000468 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $182.80 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-06-18): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000470 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000471 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000472 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved an exception to allow XX% LTVon rural property vs guideline max of XX.XX% | REVIEWER - WAIVED COMMENT (2025-06-18): Lender Exception provided with Compensating Factors. | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - B A |
| XXXX | XXXX | 200000473 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - A |
| XXXX | XXXX | 200000474 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000475 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,065.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. | BUYER - GENERAL COMMENT (2025-06-26): Submitted PCCD, LOE, Check, and Shipping label for review.<br> REVIEWER - CURED COMMENT (2025-06-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A B |
| XXXX | XXXX | 200000476 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000478 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000480 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.50 exceeds tolerance of $230.00 plus 10% or $253.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total fee amount of $350.50 exceeds tolerance of $230.00 plus 10% or $253.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-06-19): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000481 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000482 |  | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000483 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception: | LTV exception to allow XX% | REVIEWER - RE-GRADED COMMENT (2025-06-20): Client elected to waive exceptions with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-06-20): Client elected to waive exceptions with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000484 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for LTV of XX% vs max of XX.XX% | REVIEWER - WAIVED COMMENT (2025-06-23): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000488 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000489 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000494 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception request for log home is approved. | REVIEWER - WAIVED COMMENT (2025-06-27): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000496 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000497 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000504 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000376 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000377 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Credit Calculation / Analysis - Guideline <br> Requirement: Representative FICO score discrepancy.: <br> Representative FICO score of XXX is less than Guideline <br> representative FICO score of 720. | Borrower FICO score of XXX is less than the guideline requirement of 720, for a loan amount greater than $3,000,000. The loan file does not contain a lender approved exception for the FICO score. | BUYER - GENERAL COMMENT (2025-04-08): XX approves FICO exception (not an exception to current guidelines) based on comp factors: 39 months reserves, 37 years in home, 10 years on job / 18 years in same field.<br> REVIEWER - WAIVED COMMENT (2025-04-08): Client elects to waive with comp factors. | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B A |
| XXXX | XXXX | 200000378 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $225.00 exceeds tolerance of $170.00 plus 10% or $187.00. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: $55.00 violation due to increase in Recording Fees. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-03-26): PCCD cure documentation uploaded for review.<br> REVIEWER - CURED COMMENT (2025-03-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000379 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000308 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Ineligible Property Type. 1004 reflects Rural. | REVIEWER - GENERAL COMMENT (2024-07-03): Income docs missing so unable to use residual income as CF. Can be applied when income is 100% verified with all docs present. Unable to downgrade and waive at this time.<br> BUYER - GENERAL COMMENT (2024-07-11): Proof child support received for 6 months and questionnaire completed by CPA stating borrower has been in business for 15 years uploaded.<br> REVIEWER - WAIVED COMMENT (2024-07-17): Lender Exception with Compensating Factors. | 1 |  |  |  | 2 | [2] Federal Compliance - (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 5.020XX.XX% 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 $XXX,XXX vs. an allowable total of $15,513.95 (an overage of $63.86 or .020XX.XX%). Non-Compliant High Cost Loan. |  | BUYER - GENERAL COMMENT (2024-07-11): Rate lock confirmation reflecting discount points bona fide and should be excluded from calculation.<br> REVIEWER - GENERAL COMMENT (2024-07-17): Because the Undiscounted Starting Rate of X.XX exceeds the APOR of 6.71 by more than 2%, no loan discounts can be excluded. P&F are over the limit.<br> The rule says:<br> If Undiscounted Rate does not exceed APOR by more than 1%, 2 bona fide discounts points may be excluded.<br> If Undiscounted Rate exceeds 1% but does not exceed by more than 2%, 1 bona fide discount point may be excluded.<br> If Undiscounted Rate exceeds APOR by more than 2%, no bona fide discount points are eligible for exclusion.<br> BUYER - GENERAL COMMENT (2024-08-05): PCCD, LOE, HC LOE, cure check and proof of delivery uploaded.<br> REVIEWER - GENERAL COMMENT (2024-08-13): Please provide a copy of the canceled check, indicating the borrower's choice was to accept the refund vs keeping the HOEPA loan.<br> BUYER - GENERAL COMMENT (2024-08-16): Proof cure check cashed uploaded.<br> REVIEWER - CURED COMMENT (2024-08-22): SitusAMC received evidence of borrower's choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing; | Federal Compliance - (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees): Assignee Liability: A purchaser or assignee of a HOEPA loan is subject to all claims and defenses that the consumer could assert against the original creditor. This potential liability is limited to the sum of (a) all remaining indebtedness (including principal) and (b) the total amount paid by the borrower (including principal and interest), whether or not paid prior to the transfer of the loan to the assignee. EffectiveXX/XX/XXXX: Creditors may be held liable to the consumer for civil liability of $4,000, in the case of an individual transaction, or the lesser of $1,000,000 or 1% of the creditor's net worth in the case of a class action, as well as actual damages court costs and attorneys' fees. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. |  | - B A |
| XXXX | XXXX | 200000356 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2499335)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX024) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Final CD reflects a Monthly Escrow Payment of $800.70, yet the PC CD with a date ofXX/XX/XXXXhows the escrow payment as $1,205.75. | BUYER - GENERAL COMMENT (2024-08-28): Please see the final CD dated XX/XX/XXXXhich shows a correct escrow acct also the initial escrow account disclosure statement showing also correct escrow amount.<br> REVIEWER - CURED COMMENT (2024-08-30): Cured prior to discovery.<br> BUYER - GENERAL COMMENT (2024-08-28): Please see the final CD dated XX/XX/XXXXhich shows a correct escrow acct also the initial escrow account disclosure statement showing also correct escrow amount.<br> REVIEWER - CURED COMMENT (2024-08-30): Cured prior to discovery. | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000286 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds guideline maximum. Lender did not use the Co-Borrower's primary property PITIA for qualification. | BUYER - GENERAL COMMENT (2024-07-16): Post Consummation Exception Approval for DTI > 50%<br> REVIEWER - GENERAL COMMENT (2024-07-19): Please provide updated 1008 reflecting DTI of XX.XX%ncluding payment for primary property.<br> BUYER - GENERAL COMMENT (2024-07-26): Please note XX.XX% DTI, Income = $XXXX, total monthly payments = $XXXX. DTI per 1008 initially uploaded XX.XX%<br> REVIEWER - GENERAL COMMENT (2024-08-07): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%.<br> REVIEWER - GENERAL COMMENT (2024-08-12): Regraded to EV2-B based on sufficient compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-08-13): Lender exception with compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: Loan is not High Cost or HPML, new exception set.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification final appraisal report was delivered to borrower at least 3 business days prior to closing was not provided.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: DTI exceeds guideline maximum. Lender did not use the Co-Borrower's primary property PITIA for qualification. | BUYER - GENERAL COMMENT (2024-09-04): NORTC executed by B1 uploaded.<br> BUYER - WAIVED COMMENT (2024-09-06): accept<br> BUYER - WAIVED COMMENT (2024-07-12): Approve<br> BUYER - GENERAL COMMENT (2024-07-16): Post Consummation Exception Approval for DTI > 50%<br> REVIEWER - GENERAL COMMENT (2024-07-19): Please provide updated 1008 reflecting DTI of XX.XX%ncluding payment for primary property.<br> BUYER - GENERAL COMMENT (2024-07-26): Please note XX.XX% DTI, Income = $XXXX, total monthly payments = $XXXX. DTI per 1008 initially uploaded XX.XX%<br> REVIEWER - GENERAL COMMENT (2024-08-07): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> REVIEWER - GENERAL COMMENT (2024-08-12): Regraded to EV2-B based on sufficient compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-08-13): Lender exception with compensating factors. |  | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000285 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Guideline Issue - Gift Funds not allowable per guidelines.<br> [2] Asset Calculation / Analysis - Guideline Requirement: Available for Reserves discrepancy.: Calculated Available for Reserves of $323.36 is less than Guideline Available for Reserves of $XXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX.XX% exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX.XX% exceeds Guideline loan to value percentage of 65.00000%. | Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX.<br> Max LTV for first time investor is 65% and the subject loan LTV is XX.XX%<br> Gift funds not allowed per guidelines on investment transactions.<br> Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX.<br> Max LTV for first time investor is 65% and the subject loan LTV is XX.XX%<br> Max LTV for first time investor is 65% and the subject loan LTV is XX.XX% | BUYER - GENERAL COMMENT (2024-08-23): XXXapproved PTC by XXX uploaded fo reserves.<br> REVIEWER - GENERAL COMMENT (2024-08-27): Required funds is $XXX. Cash to close $XXX, POC's $XXX and EMD $XXX = $XXX. Verified funds are EMD $XXX, XXXXXXXXXXX $XXX and $XXX, XXXXX$XXX, XXXXXXXXX $XXX, $XXX and $XXX, XXXXXXXXX$XXX and XXXXXXXXXXX $XXX = $XXX.<br> BUYER - GENERAL COMMENT (2024-09-03): Appraisal invoice paid by cc and can be excluded from POCs. Borrower has sufficient verified funds to close.<br> BUYER - GENERAL COMMENT (2024-09-05): Please see image D0046 reflecting $35K deposited into XXXXXXXXX ending in XXXXon X/XX.<br> REVIEWER - GENERAL COMMENT (2024-09-05): Appraisal POC is updated & Gift Fund of $35,000 already considered in balance account of xxxxxxXXXXand requirement of reserves is short by $XXX require additional assets to cover reserves Exception remains<br> BUYER - GENERAL COMMENT (2024-09-05): XXXapproved PTC by XXX for reserves was uploaded previously. Please clear exceptions.<br> REVIEWER - GENERAL COMMENT (2024-09-10): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-09-10): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-08-19): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-08-19): Lender exception with compensating factors.<br> BUYER - GENERAL COMMENT (2024-08-23): XXXapproved PTC by XXX for reserves uploaded.<br> REVIEWER - GENERAL COMMENT (2024-08-27): Required funds is $XXX. Cash to close $XXX, POC's $XXX and EMD $XXX = $XXX. Verified funds are EMD $XXX, XXXXXXXXXXX $XXX and $XXX, XXXXX$XXX, XXXXXXXXX $XXX, $XXX and $XXX, XXXXXXXXX$XXX and XXXXXXXXXXX $XXX = $XXX.<br> BUYER - GENERAL COMMENT (2024-09-03): Appraisal invoice paid by cc and can be excluded from POCs. Borrower has sufficient verified funds to close.<br> REVIEWER - GENERAL COMMENT (2024-09-05): Appraisal POC is updated requirement of reserves is short by $XXX require additional assets to cover reserves Exception remains<br> BUYER - GENERAL COMMENT (2024-09-05): XXXapproved PTC by XXXfor reserves was uploaded previously. Please clear exceptions.<br> REVIEWER - GENERAL COMMENT (2024-09-10): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX.<br> REVIEWER - WAIVED COMMENT (2024-09-10): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-08-19): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2024-08-19): Lender exception with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purXXXXXXXXXXX transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000275 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $153.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2024-09-19): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000265 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): Borrower charged for 2nd appraisal. | BUYER - GENERAL COMMENT (2024-09-19): PCCD, LOE, cure check and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2024-09-25): Cure documentation provided. | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000353 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | The Borrower is a non permanent resident alien which is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2024-10-16): Lender exception with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000307 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000338 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Minnesota Tangible Net Benefit Disclosure Signed by Borrower: Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - 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 $398.12 exceeds tolerance of $341.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $339.75 exceeds tolerance of $324.00. Sufficient or excess cure was provided to the borrower at Closing. (7567) | State Compliance - Minnesota Tangible Net Benefit Disclosure Signed by Borrower: The Tangible Net Benefit was signed at closing.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient, so please provide COC/Final CD for changed fee amount.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $398.12 exceeds tolerance of $341.00. Sufficient, so please provide COC/Final CD for changed fee amount.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $339.75 exceeds tolerance of $324.00. Sufficient, so please provide COC/Final CD for changed fee amount. | BUYER - GENERAL COMMENT (2024-11-22): Signed disclosure uploaded.<br> REVIEWER - GENERAL COMMENT (2024-12-03): Closing date is XX/X, document needs to be signed prior to closing.<br> BUYER - WAIVED COMMENT (2024-12-04): Approve<br> REVIEWER - CURED COMMENT (2024-11-11): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024-11-11): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024-11-11): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | 200000297 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The file was missing the secondary valuation required for securitization purposes. | REVIEWER - WAIVED COMMENT (2024-12-23): Property inspected post disaster but pre-FEMA declaration of disaster end date. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $48.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $48.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. A credit report re-issue fee was added without a valid change of circumstance.Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Sufficient cure provided at closing | BUYER - GENERAL COMMENT (2024-12-27): Please see PCCD & Pymt history attached showing a cure for $48.00 due to increase in credit report fee. PCCD was included in the original binder please see pages # 910 to 917<br> REVIEWER - CURED COMMENT (2024-12-30): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br> REVIEWER - CURED COMMENT (2024-12-30): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. |  | - B A |
| XXXX | XXXX | 200000293 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX024)<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024)<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXis over disclosed by $125.00 compared to the calculated Amount Financed of$XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX024)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX024)<br> [1] Federal Compliance - 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 $201.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - 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 $360.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75103)<br> [1] Federal Compliance - 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 $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The Final Report Date listed on the Appraisal is post closing. The Timing Waiver for the Appraisal report is missing from the loan file.<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The Title-Filing Fee appears to be the fee that is causing the under disclosed finance charge.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The Title-Filing Fee appears to be the fee that is causing the under disclosed finance charge.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee. Fee Amount of $201.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Re-Inspection Fee. Fee Amount of $360.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Desk Review Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | BUYER - GENERAL COMMENT (2025-01-16): Appraisal proof of delivery uploaded. Please note, it is acceptable to deliver the revised appraisal PC as it does not affect the value.<br> REVIEWER - GENERAL COMMENT (2025-01-26): This exception is for the CDA. See date of report in exception "(Type:SecondaXX/XX/XXXX024)".<br> BUYER - GENERAL COMMENT (2025-01-28): Initial appraisal uploaded.<br> REVIEWER - GENERAL COMMENT (2025-02-03): Delivery of CDA was not provided in upload. Delivery required as the CDA value was different than the appraisal. Exception is an EV2 and can be elected to waive.<br> BUYER - WAIVED COMMENT (2025-02-04): Approve<br> REVIEWER - GENERAL COMMENT (2025-02-03): Exception is an EV2 and can be elected to waive.<br> BUYER - WAIVED COMMENT (2025-02-04): Approve<br> BUYER - GENERAL COMMENT (2025-01-24): Please see Mavent report attached. Seller believes AMC is including Title - Recording Service Fee in error.<br> REVIEWER - GENERAL COMMENT (2025-01-27): The filing fee is disclosed in section C, and paid to a title entity rather than the county. The fee is tested as an APR fee. Cure is required.<br> BUYER - GENERAL COMMENT (2025-01-31): PCCD, LOE, cure check and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2025-02-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br> BUYER - GENERAL COMMENT (2025-01-24): Please see Mavent report attached. Seller believes AMC is including Title - Recording Service Fee in error.<br> REVIEWER - GENERAL COMMENT (2025-01-27): The filing fee is disclosed in section C, and paid to a title entity rather than the county. The fee is tested as an APR fee. Cure is required.<br> BUYER - GENERAL COMMENT (2025-01-31): PCCD, LOE, cure check and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2025-02-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br> REVIEWER - CURED COMMENT (2025-01-03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-01-03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-01-03): Sufficient Cure Provided At Closing | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000258 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | The Guidelines require verification of the primary residence housing history. The Borrower is unable to provide the required housing history. | BUYER - GENERAL COMMENT (2025-01-27): Please see image D0155 pages 1-2, Underwriting Exception Details reflect an exception approval for housing history.<br> REVIEWER - WAIVED COMMENT (2025-02-03): Lender exception with compensating factors.<br> REVIEWER - RE-GRADED COMMENT (2025-04-03): XX Update. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00.The Post Closing Disclosure issued on XX/XX/XXXX does reflect the exceeded amount on page 3 in the calculating cash to close table, however, it is not listed on pages 1 or 2. | BUYER - GENERAL COMMENT (2025-01-27): Please see image D0307, pages 181 - 186 PCCD reflecting $24 PR cure issued. Payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-01-29): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br> REVIEWER - CURED COMMENT (2025-02-03): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000452 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception approved due to borrower not having outstanding mortgages on credit report and they do not have a 12-month verifiable housing history. We have verified 9 months history but prior to that they did not have a formal rental agreement (lived with a friend) | REVIEWER - WAIVED COMMENT (2025-06-13): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000457 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Client:390XX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was provided on XX/XX/XXXX | BUYER - WAIVED COMMENT (2025-06-26): XXXXacknowledges and waives this non-material EV2 finding. |  | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A B |
| XXXX | XXXX | 200000464 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000622 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - A |
| XXXX | XXXX | 200000624 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000490 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000626 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.79 is less than Guideline PITIA months reserves of 6.00. | Lender exception approval for delinquent property taxes.<br> Calculated PITIA months reserves of 3.38 is less than Guideline PITIA months reserves of 6.00. | REVIEWER - WAIVED COMMENT (2025-06-25): Client elects to waive with compensating factors.<br> SELLER - GENERAL COMMENT (2025-06-27): per the pccd cash back was >$26K which cover the 6 mos<br> Brown PCCD.pdf (Unclassified) was referenced<br> REVIEWER - GENERAL COMMENT (2025-06-27): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 3.38 is less than Guideline PITIA months reserves of 6.00.<br> REVIEWER - GENERAL COMMENT (2025-06-27): Received PCCD showing borrower received cash out of $26,718.31. However there were prepaids paid at closing in the amount of $1,931.58 which is deducted from the cash out. The amount of reserves is now 5.79 months, however 6 months are required. Exception remains.<br> SELLER - GENERAL COMMENT (2025-06-30): 1008<br> XXXXXXX(Unclassified) was referenced<br> REVIEWER - WAIVED COMMENT (2025-07-03): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000627 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Exception Approved for living rent free from XX/XX - XX/XX. Unable to downgrade/waive due to missing lenders compensating factors. | SELLER - GENERAL COMMENT (2025-06-27): Please see attached 1008 for comp factors<br> XXXXXX1008.pdf (Unclassified) was uploaded<br> REVIEWER - GENERAL COMMENT (2025-07-02): Received lenders 1 comp factor of Fico, however that compensating factor is not available to due diligence as fico is only 20 bps over the minimum. Must be at least 40 bps over. Please provide additional compensating factors.<br> SELLER - GENERAL COMMENT (2025-07-03): Please see 1008 with comp factor<br> XXXXXXupdated 1008.pdf (Unclassified) was uploaded<br> REVIEWER - WAIVED COMMENT (2025-07-09): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 200000495 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000628 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception approved to not require a copy of full trust distribution. | REVIEWER - WAIVED COMMENT (2025-06-26): Client elected to waive exceptions with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000498 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000501 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 2 | [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXXXXXXXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX | Verification of employment provided datedXX/XX/XXXX; note date isXX/XX/XXXX. | BUYER - GENERAL COMMENT (2025-07-01): Approved credit exception and VVOE uploaded for review.<br> REVIEWER - WAIVED COMMENT (2025-07-02): Lender approved exception for VVOE dated within 11 days prior to closing. File also contains a post closing verification. Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000502 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000503 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception approved to allow less than 12 months seasoning between the prior cash out loan and this rate term refinance. | REVIEWER - WAIVED COMMENT (2025-07-02): Client elects to waive with comp factors. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $375.00 plus 10% or $412.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2025-07-01): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000505 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000625 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000506 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000623 |  | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000507 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $268.00 exceeds tolerance of $27.00 plus 10% or $29.70. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - 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 $990.00 exceeds tolerance of $825.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) |  | REVIEWER - CURED COMMENT (2025-07-11): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-07-11): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-07-11): Sufficient Cure Provided At Closing |  | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000326 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX024)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $370.00 exceeds tolerance of $245.00 plus 10% or $269.50. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX).<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $370.00 exceeds tolerance of $245.00 plus 10% or $269.50. Insufficient or no cure was provided to the borrower. (0)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2024-04-15): lock with bona fide discount point uploaded<br> REVIEWER - GENERAL COMMENT (2024-04-17): SitusAMC received rebuttal & docs for lock with bona fide discount points. However, items will not address the finance charge violation. Finance charge was underdisclosed by $125. The fees included in finance charge calculation are: Discount $5600, Broker $5300, prepaid int $493.04, tax service $84, title-CPL $25, title-courier $95, Title-Service charges $250, title-settlement $250 and underwriting fee $900. To cure a Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $125, proof of mailing and proof of reopening of rescission to all consumers.<br> BUYER - GENERAL COMMENT (2024-04-24): cure check, fedex label for check, corrected cd with lender prepaid fees included<br> REVIEWER - GENERAL COMMENT (2024-04-26): Reopening of rescission must be provided in order to cure.<br> BUYER - GENERAL COMMENT (2024-05-01): NORTC signed<br> BUYER - GENERAL COMMENT (2024-05-01): NORTC request and FedEx label uploaded<br> REVIEWER - CURED COMMENT (2024-05-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br> BUYER - GENERAL COMMENT (2024-04-24): cure<br> BUYER - GENERAL COMMENT (2024-04-24): corrected cd<br> REVIEWER - CURED COMMENT (2024-04-25): SitusAMC Received Corrected PCCD, LOE and Payment history<br> BUYER - GENERAL COMMENT (2024-04-24): cure<br> BUYER - GENERAL COMMENT (2024-04-24): corrected cd<br> REVIEWER - CURED COMMENT (2024-04-25): SitusAMC Received Corrected PCCD, LOE and Payment history | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000299 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Income Documentation - Income documentation requirements not met. | Lender granted exception for excessive NSF's. | REVIEWER - WAIVED COMMENT (2024-03-29): Lender granted exception approval with compensating factors listed. | 1 |  |  |  | 2 | [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,750.00 exceeds tolerance of $3,283.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - 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 $187.89 exceeds tolerance of $120.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change Circumstance not provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change Circumstance not provided | BUYER - WAIVED COMMENT (2024-04-09): accept exception grade 2<br> BUYER - GENERAL COMMENT (2024-04-09): Cure and corrected CD<br> REVIEWER - CURED COMMENT (2024-04-10): SitusAMC Received PCCD, LOE and Payment history<br> BUYER - GENERAL COMMENT (2024-04-09): Cure and corrected CD<br> REVIEWER - CURED COMMENT (2024-04-10): SitusAMC Received PCCD, LOE and Payment history | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 200000325 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,156.60 exceeds tolerance of $4,137.00 plus 10% or $4,550.70. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,511.24 exceeds tolerance of $8,306.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - 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 $189.10 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $13,437.99 exceeds tolerance of $12,598.00. Insufficient or no cure was provided to the borrower. (73109) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $5,156.60 exceeds tolerance of $4,137.00 plus 10% or $4,550.70. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,511.24 exceeds tolerance of $8,306.00. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $189.10 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $13,437.99 exceeds tolerance of $12,598.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2024-08-11): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br> BUYER - GENERAL COMMENT (2024-08-11): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br> BUYER - GENERAL COMMENT (2024-08-11): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br> BUYER - GENERAL COMMENT (2024-08-05): Disclosure tracking details reflecting VCOC uploaded.<br> REVIEWER - GENERAL COMMENT (2024-08-06): SitusAMC received Changed Circumstance dated XX/XX/XXXX, but it does not give sufficient information on why the Broker fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> BUYER - GENERAL COMMENT (2024-08-11): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2024-08-12): SitusAMC Received PCCD, LOE and Payment history. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000266 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Guideline Issue - Rural property type is not permitted per Guidelines.<br> [2] Guideline Issue - The property site acres is greater than 10 acres which does not meet guidelines. | Business open less than 2 years. | REVIEWER - WAIVED COMMENT (2024-08-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-08-08): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-08-08): Lender Exception with Compensating Factors. | 1 |  |  |  | 2 | [2] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 10.49108% or Final Disclosure APR of 10.58400% is equal to or greater than the threshold of APOR 7.19% + 1.5%, or 8.69000%. Compliant Higher Priced Loan.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $2,875.00. Insufficient or no cure was provided to the borrower. (73109)<br> [1] Federal Compliance - 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 $230.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): APR on subject loan of 10.49108% or Final Disclosure APR of 10.58400% is equal to or greater than the threshold of APOR 7.19% + 1.5%, or 8.69000%. Compliant Higher Priced Loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $0.00. Insufficient, So please provide COC/Final Cd for changed fee amount. | BUYER - WAIVED COMMENT (2024-08-13): compliant HPML<br> BUYER - GENERAL COMMENT (2024-08-26): The change to the broker fee from Lender Paid to Borrower Paid was disclosed onXX/XX/XXXXith the initial Closing Disclosure. The subsequent increase to the broker fee was due to the borrower's requested increase to the loan amount onXX/XX/XXXXBroker fee decreased after these COCs, no cure would be required.<br> REVIEWER - GENERAL COMMENT (2024-08-27): SitusAMC received rebuttal, however loan amount changed on CD dated XX/XX and COC available in file for loan amount change is dated XX/XX/XXXX. A valid Changed Circumstance within 3 days or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> REVIEWER - GENERAL COMMENT (2024-09-04): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109)<br> BUYER - GENERAL COMMENT (2024-09-06): Cure attached. The broker fee was disclosedXX/XX/XXXXthe subsequent increase on XX/XX was not disclosed on time and required cure.<br> REVIEWER - CURED COMMENT (2024-09-09): SitusAMC received Corrected CD, Payment history and Letter of Explanation.<br> REVIEWER - CURED COMMENT (2024-09-09): Sufficient Cure Provided At Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000300 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000355 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000276 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000349 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Subject loan is a cash out refinance and seasoning of 6 months has not been met.<br> Property is marked rural and is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2024-10-02): Lender exception with compensating factors.<br> REVIEWER - RE-GRADED COMMENT (2024-12-05): DTI and score updated. Affects XX.<br> REVIEWER - WAIVED COMMENT (2024-12-05): XX Update<br> REVIEWER - RE-GRADED COMMENT (2025-03-05): XX Update.<br> REVIEWER - WAIVED COMMENT (2024-10-02): Lender exception with compensating factors.<br> REVIEWER - RE-GRADED COMMENT (2024-12-05): DTI and score updated. Affects XX.<br> REVIEWER - WAIVED COMMENT (2024-12-05): XX Update<br> REVIEWER - RE-GRADED COMMENT (2025-03-05): XX Update. | 1 |  |  |  | 2 | [2] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 10.60346% or Final Disclosure APR of 10.62500% is equal to or greater than the threshold of APOR 6.45% + 1.5%, or 7.95000%. Compliant Higher Priced Loan. |  | BUYER - WAIVED COMMENT (2024-10-04): Please clear as grade is 1. |  | 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>Miscellaneous<br>Miscellaneous |  | - B A |
| XXXX | XXXX | 200000365 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000352 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX.XXX% exceeds Guideline total debt ratio of 50.00000%. | DTI exceeds the guideline maximum of 50%. Final 1008 indicates Driveway was paid in full however there is no evidence in file and debt with Regional not included on the 1003 debt. | BUYER - GENERAL COMMENT (2024-10-24): Evidence liabilities excluded are paid in full uploaded.<br> REVIEWER - GENERAL COMMENT (2024-10-25): Exception remains, after excluding Driveway installment account DTI is still over 50% of guideline ratio and XXXXXXXXXXXXXInstallment account is not present in Final 1003 document, please provide explanation or documentation for XXXXXXXXXXXXXInstallment account.<br> BUYER - GENERAL COMMENT (2024-11-08): Post Consummation Exception approval uploaded.<br> REVIEWER - GENERAL COMMENT (2024-11-22): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%.<br> REVIEWER - GENERAL COMMENT (2024-11-26): PC exception does not include any compensating factors from category A.<br> BUYER - GENERAL COMMENT (2024-11-26): XXXexception approval uploaded.<br> REVIEWER - WAIVED COMMENT (2024-12-10): Lender Exception with Compensating Factors provided.<br> REVIEWER - GENERAL COMMENT (2024-12-10): Cleared in error.<br> REVIEWER - GENERAL COMMENT (2024-12-11): Downgraded to EV2-B based on comp factors approved by X. XXXXX.<br> REVIEWER - WAIVED COMMENT (2024-12-11): Lender exception with compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XXX% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: DTI exceeds the guideline maximum of 50%. Final 1008 indicates Driveway was paid in full however there is no evidence in file and debt with Regional not included on the 1003 debt.<br> Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Safe Harbor requirements not satisfied. | BUYER - GENERAL COMMENT (2024-10-24): Evidence liabilities excluded are paid in full uploaded.<br> REVIEWER - GENERAL COMMENT (2024-10-25): Exception remains, after excluding Driveway installment account DTI is XX.XXX% still over 50% of guideline ratio and XXXXXXXXXXXXXInstallment account is not present in Final 1003 document, please provide explanation or documentation for XXXXXXXXXXXXXInstallment account.<br> BUYER - GENERAL COMMENT (2024-11-08): Post Consummation Exception approval uploaded.<br> REVIEWER - GENERAL COMMENT (2024-11-22): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> REVIEWER - GENERAL COMMENT (2024-11-26): PC exception does not include any compensating factors from category A.<br> BUYER - GENERAL COMMENT (2024-11-26): XXXexception approval uploaded.<br> REVIEWER - GENERAL COMMENT (2024-12-11): Downgraded to EV2-B based on comp factors approved by X. XXXXX.<br> REVIEWER - WAIVED COMMENT (2024-12-11): Lender exception with compensating factors.<br> BUYER - WAIVED COMMENT (2024-10-17): Approve |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000324 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $208.18 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee was last disclosed as $200 on Loan Estimate but disclosed as $208.18 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee. No cure was provided to the borrower. | REVIEWER - CURED COMMENT (2024-10-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000298 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000296 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | The subject property is marked rural which is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2024-12-04): Lender exception with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous |  | - B A |
| XXXX | XXXX | 200000284 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is marked rural which is ineligible per guidelines.<br> The most recent valuation inspection is dated prior to the most recent FEMA disaster. Missing disaster inspection, Disaster end date is XX/XX/XXXX. | BUYER - GENERAL COMMENT (2024-12-18): Please see Non-Agency Loan Approval attached. File was approved for an UW exception for Rural Property<br> REVIEWER - WAIVED COMMENT (2025-01-04): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-12-11): Property inspected post disaster but pre-FEMA declaration of disaster end date. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000344 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000358 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | A minimum of six months has not elapsed since the last mortgage transaction as required by guidelines for a cash out refinance.<br> Post Disaster Inspection provided prior to end date of the FEMA Disaster. | BUYER - GENERAL COMMENT (2025-01-13): PC Exception approval uploaded.<br> REVIEWER - WAIVED COMMENT (2025-01-24): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2024-12-23): Property inspected post disaster but pre-FEMA declaration of disaster end date. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) |  | BUYER - WAIVED COMMENT (2024-12-27): Approve |  | Borrower has owned the subject property for at least 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>Miscellaneous<br>Miscellaneous<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000295 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | REVIEWER - WAIVED COMMENT (2025-01-09): Property inspected post disaster but pre-FEMA declaration of disaster end date. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117)<br> [2] Federal Compliance - 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 $144.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Loan Estimate issued on XX/XX/XXXX reflects the Credit Report Fee as $100.00. The Closing Disclosure issued on XX/XX/XXXX reflects an increase of the Credit Report fee to $144.00 and a Credit Re-Issue fee of $24.00. The loan file does not contain evidence of a Changed Circumstance for the increase in fees. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Loan Estimate issued on XX/XX/XXXX reflects the Credit Report Fee as $100.00. The Closing Disclosure issued on XX/XX/XXXX reflects an increase of the Credit Report fee to $144.00 and a Credit Re-Issue fee of $24.00. The loan file does not contain evidence of a Changed Circumstance for the increase in fees. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-02-05): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-02-06): SitusAMC received Letter of Explanation, Payment History and Corrected PCCD.<br> BUYER - GENERAL COMMENT (2025-02-05): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-02-06): SitusAMC received Letter of Explanation, Payment History and Corrected PCCD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXX | XXXX | 200000274 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | 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. |  | - A |
| XXXX | XXXX | 200000364 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Limited Cash-out GSE | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $605.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $605.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing, please provide COC for the same. | REVIEWER - CURED COMMENT (2025-02-06): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXX | XXXX | 200000348 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Rural properties are not eligible per guidelines. | BUYER - GENERAL COMMENT (2025-02-21): UW exception for rural property uploaded<br> REVIEWER - WAIVED COMMENT (2025-02-27): Lender Exception with Compensating Factors.<br> REVIEWER - RE-GRADED COMMENT (2025-06-30): Lender exception with compensating factors.<br> REVIEWER - RE-GRADED COMMENT (2025-06-30): Borrower has been job 5+ years.<br> REVIEWER - RE-GRADED COMMENT (2025-08-05): Lender exception provided. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower. (7506) |  | REVIEWER - CURED COMMENT (2025-02-19): Sufficient Cure Provided within 60 Days of Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000371 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000283 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.66 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves provided.<br> Calculated PITIA months reserves of 5.66 is less than Guideline PITIA months reserves of 6.00. | BUYER - GENERAL COMMENT (2025-04-01): Final SS and Consummation CD reflecting CTC $XXXX; Verified assets $XXXX. Reserves $XXXX (9 months reserves).<br> REVIEWER - GENERAL COMMENT (2025-04-02): Exception Remains - On the loan as per system calculation cash from borrower requirement is $XXX and we have total assets of $XXX the remaining amount is $XXX which is 5.66 months of reserve, However required reserve is 6 months. Provide the additional assets to meet the reserve requirement.<br> BUYER - GENERAL COMMENT (2025-04-02): Reviewer is not taking into account verified $XXXX EMD, $XXXX gift funds wired directly into escrow, seller credits of $XXXX and $XXXX.<br> REVIEWER - GENERAL COMMENT (2025-04-07): Calculation of Cash from borrower requirement of $XXX and total assets of $XXX includes EMD, gift funds and seller credits. The remaining amount is $XXX which is 5.66 months of reserves, however, required reserves of 6 months.<br> BUYER - GENERAL COMMENT (2025-05-07): Please note, final SS reflects a lender credit of $1775.08 which includes the hazard premium paid by the lender. Borrower now has sufficient reserves as the hazard premium POC was paid by the lender.<br> REVIEWER - GENERAL COMMENT (2025-05-09): Lender credits of $1,775.06 has already been included in the calculations. Missing supporting documentation for POC paid by borrower for Appraisal $500 and Homeowner's insurance $1,328.<br> BUYER - GENERAL COMMENT (2025-05-14): Appraisal and hazard invoices showing POC uploaded.<br> REVIEWER - GENERAL COMMENT (2025-05-15): Exception Remains - The received document for hazard document is Hazard insurance police. Provide Hazard insurance payment invoice/receipt.<br> BUYER - GENERAL COMMENT (2025-05-27): PC Exception approval for reserves slightly less than guideline requirement.<br> REVIEWER - WAIVED COMMENT (2025-05-29): Client elects to waive with compensating factors.<br> BUYER - GENERAL COMMENT (2025-04-01): Final SS and Consummation CD reflecting CTC $XXXX; Verified assets $XXXX. Reserves $XXXX (9 months reserves).<br> REVIEWER - GENERAL COMMENT (2025-04-02): Exception Remains - On the loan as per system calculation cash from borrower requirement is $XXX and we have total assets of $XXX the remaining amount is $XXX which is 5.66 months of reserve, However required reserve is 6 months. Provide the additional assets to meet the reserve requirement.<br> BUYER - GENERAL COMMENT (2025-04-02): Reviewer is not taking into account verified $XXXX EMD, $XXXX gift funds wired directly into escrow, seller credits of $XXXX and $XXXX.<br> REVIEWER - GENERAL COMMENT (2025-04-07): Calculation of Cash from borrower requirement of $XXX and total assets of $XXX includes EMD, gift funds and seller credits. The remaining amount is $XXX which is 5.66 months of reserves, however, required reserves of 6 months.<br> BUYER - GENERAL COMMENT (2025-05-07): Please note, final SS reflects a lender credit of $1775.08 which includes the hazard premium paid by the lender. Borrower now has sufficient reserves as the hazard premium POC was paid by the lender.<br> REVIEWER - GENERAL COMMENT (2025-05-09): Lender credits of $1,775.06 has already been included in the calculations. Missing supporting documentation for POC paid by borrower for Appraisal $500 and Homeowner's insurance $1,328.<br> BUYER - GENERAL COMMENT (2025-05-14): Appraisal and hazard invoices showing POC uploaded.<br> REVIEWER - GENERAL COMMENT (2025-05-15): Exception Remains - The received document for hazard document is Hazard insurance police. Provide Hazard insurance payment invoice/receipt.<br> BUYER - GENERAL COMMENT (2025-05-27): PC Exception approval for reserves slightly less than guideline requirement.<br> REVIEWER - WAIVED COMMENT (2025-05-29): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous |  | - B A |
| XXXX | XXXX | 200000370 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) |  | BUYER - WAIVED COMMENT (2025-05-02): Approve | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000347 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX.XX% exceeds Guideline total debt ratio of 43.00000%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 6.00. | DTI of XX.XX% exceeds guideline maximum of 43%.<br> DTI of XX.XX% exceeds guideline maximum of 43%.<br> File is missing assets to cover required reserves of 6 months. | REVIEWER - WAIVED COMMENT (2025-07-22): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-07-22): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-04-18): Lender exception with compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: DTI of XX.XX% exceeds guideline maximum of 43%. | REVIEWER - WAIVED COMMENT (2025-07-22): Lender exception with compensating factors. |  | 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>Miscellaneous<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000186 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $836.82 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $836.82 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $112.50 exceeds tolerance of $105.25. Sufficient or excess cure was provided to the borrower. (7520) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $254,006.03. There is a variance of $1,002.77.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $569,871.91. There is a variance of $1,002.77. | BUYER - GENERAL COMMENT (2025-04-30): PCCD, cure check and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2025-05-01): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br> BUYER - GENERAL COMMENT (2025-04-30): PCCD, cure check and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2025-05-01): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br> REVIEWER - CURED COMMENT (2025-04-16): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000282 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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. | Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA credit score disclosure was providedXX/XX/XXXXhich was the closing date. | BUYER - WAIVED COMMENT (2025-04-24): Approve |  |  |  | - A B |
| XXXX | XXXX | 200000281 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $650.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-04-22): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000369 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%. | DTI higher, captured income and expenses as per documents | REVIEWER - WAIVED COMMENT (2025-04-22): Lender Exception with Compensating Factors. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal at least 3 business days to closing.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: DTI higher, captured income and expenses as per documents | BUYER - GENERAL COMMENT (2025-04-29): appraisal report delivery to borrower<br> REVIEWER - GENERAL COMMENT (2025-05-01): Missing acknowledgement of receipt of the appraisal 3 business days prior/at closing by borrower.<br> BUYER - WAIVED COMMENT (2025-05-02): accept grade 2<br> REVIEWER - WAIVED COMMENT (2025-04-22): Lender Exception with Compensating Factors. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000322 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000301 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000220 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723)<br> [2] Federal Compliance - 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 $163.25 exceeds tolerance of $135.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: A Survey Fee in the Amount of $475.00 was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $163.25 exceeds tolerance of $135.00. No COC in file. | BUYER - GENERAL COMMENT (2025-04-23): Please note, Survey fee is in section C and subject to no tolerance. No cure required.<br> REVIEWER - GENERAL COMMENT (2025-04-25): SitusAMC is unable to determine from the file whether the lender or title company required the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br> BUYER - GENERAL COMMENT (2025-05-08): PCCD, LOE and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-05-09): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br> BUYER - GENERAL COMMENT (2025-04-23): PCCD and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-04-25): SitusAMC received Letter of Explanation, Payment history and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | - A B |
| XXXX | XXXX | 200000357 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000279 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. (7564) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-05-07): PCCD, LOE and payment history reflecting PR uploaded.<br> REVIEWER - CURED COMMENT (2025-05-08): SitusAMC Received Corrected PCCD, LOE and Payment history. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000250 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $166.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit report Fee was disclosed on initial Loan estimate as $125 but disclosed but final Closing Disclosure $166. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | REVIEWER - CURED COMMENT (2025-04-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000249 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000321 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of XX.XX%exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX.XX%exceeds Guideline loan to value percentage of 65.00000%. | The max CLTV for a cash out refinance of an investment property, alt doc is 65.00%.<br> The max LTV for a cash out refinance of an investment property, alt doc is 65.00%. | BUYER - GENERAL COMMENT (2025-04-30): ltv approval<br> REVIEWER - WAIVED COMMENT (2025-05-02): Client elects to waive with compensating factors.<br> BUYER - GENERAL COMMENT (2025-04-30): ltv approval<br> REVIEWER - WAIVED COMMENT (2025-05-02): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | 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>Miscellaneous |  | - B A |
| XXXX | XXXX | 200000262 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Unverifiable housing history, guidelines require cancelled checks or bank statements for rent paid to an individual.<br> The subject property is marked rural which is ineligible per guidelines. | REVIEWER - WAIVED COMMENT (2025-06-24): Lender exception with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-06-24): Lender exception with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000219 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $70.00 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $70.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX 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/XXXX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $70.00 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. (FinXX/XX/XXXX025) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Closing Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX. Variance = $70.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $70.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Closing Disclosure reflects Total of Payments of $XXX but calculated Finance Charge of $XXX. Variance = $35. | BUYER - GENERAL COMMENT (2025-05-01): PC CD uploaded<br> REVIEWER - GENERAL COMMENT (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that is a finance charge that was not included in finance charge calculation on the Final CD at consummation and increased over tolerance. Finance charge was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br> REVIEWER - CURED COMMENT (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br> BUYER - GENERAL COMMENT (2025-05-01): PC CD uploaded<br> REVIEWER - GENERAL COMMENT (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that is a finance charge that was not included in finance charge calculation on the Final CD at consummation and increased over tolerance. Finance charge was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br> BUYER - GENERAL COMMENT (2025-06-05): NORTC Cover Letter, Signed NORTC for all consumers, and proof of NORTC delivery uploaded<br> BUYER - GENERAL COMMENT (2025-06-05): PC CD, LOE, check, and proof of delivery uploaded.<br> REVIEWER - CURED COMMENT (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br> BUYER - GENERAL COMMENT (2025-05-01): PC CD uploaded<br> REVIEWER - GENERAL COMMENT (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that was not included in TOP calculation on the Final CD at consummation and increased over tolerance. TOP was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br> BUYER - GENERAL COMMENT (2025-06-05): PC CD, LOE, check, and proof of delivery uploaded.<br> BUYER - GENERAL COMMENT (2025-06-05): NORTC Cover Letter, Signed NORTC for all consumers, and proof of NORTC delivery uploaded<br> REVIEWER - CURED COMMENT (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000251 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000341 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000311 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000242 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000231 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025)<br> [2] Federal Compliance - 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.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation.<br> Federal Compliance - Federal FACTA Disclosure Timing Test: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-05-06): evidence of emails to XXXX to mail copies of each appraisal to borrower.<br> REVIEWER - GENERAL COMMENT (2025-05-08): Missing evidence from the trailing documents that the appraisal was emailed to the borrower.<br> BUYER - WAIVED COMMENT (2025-05-12): Accept<br> BUYER - WAIVED COMMENT (2025-05-06): Disclosures sent 3/18, please waive<br> BUYER - GENERAL COMMENT (2025-05-06): Fees listed are Credit Report Fee, not re-issue fee. Credit report fee on initial LE was $125 and the credit report fees on consummation CD total $103.25. There is no re-issue fee.<br> REVIEWER - GENERAL COMMENT (2025-05-07): SitusAMC received rebuttal comment, The credit report fee disclosed on LEs $125 is reduced to $72.00 on CD dated XXXX. On cd dated 03/12 the credit report fee of $31.25 paid to Factual Data was added without any valid COC. Both the credit reports fee paid to different parties and charged separately on final CD. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure will be required.<br> BUYER - GENERAL COMMENT (2025-05-21): Updated PC, LOE, and payment history uploaded.<br> REVIEWER - CURED COMMENT (2025-05-22): SitusAMC received Letter of Explanation, Payment history and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000216 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000253 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-05-01): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000224 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.95 is less than Guideline PITIA months reserves of 6.00. | Excessive overdrafts (Guidelines allow for 3, borrower has 13)<br> Borrower does not meet the reserve requirements. (Guideline require 6 months borrower has verified 3 months) | REVIEWER - WAIVED COMMENT (2025-05-02): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-05-02): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000240 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000359 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $42.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7525)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $42.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7525) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Electronic document delivery fee of $42.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower at closing. No valid COC provided. | BUYER - GENERAL COMMENT (2025-05-13): Based on TILA HPML Appraisal Rule, if the seller resells the property within 91-180 of acquiring it, and the resale price exceeds the seller's acquisition price by more than 20%, an additional appraisal is required. The seller acquired the property XX/XX/XXXXnd sold it to the borrower onXX/XX/XXXX175 days). The seller acquired the property for$XXX,XXX and sold it for $XXX,XXX, a 26% increase. Based on these facts, the two appraisals are valid.<br> REVIEWER - GENERAL COMMENT (2025-05-15): Borrower was improperly charged for second appraisal.Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter)<br> BUYER - GENERAL COMMENT (2025-05-27): PC CD with cover letter and cure check for second appraisal uploaded.<br> BUYER - GENERAL COMMENT (2025-05-27): proof of delivery<br> REVIEWER - CURED COMMENT (2025-05-30): SitusAMC received LOE, copy of refund check and proof of delivery.<br> BUYER - GENERAL COMMENT (2025-05-13): PC CD and payment history uploaded<br> REVIEWER - CURED COMMENT (2025-05-15): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br> REVIEWER - CURED COMMENT (2025-05-15): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000339 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000340 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,396.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - 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 $395.90 exceeds tolerance of $220.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,396.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $395.90 exceeds tolerance of $220.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-05-27): pccd with cover letter and principal reduction applied<br> REVIEWER - CURED COMMENT (2025-05-28): SitusAMC Received Letter of Explanation, payment history and Corrected CD.<br> BUYER - GENERAL COMMENT (2025-05-15): initial cure and pccd with cover letter<br> REVIEWER - CURED COMMENT (2025-05-19): SitusAMC received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000373 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000318 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000271 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000252 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XX,XXX is less than Guideline minimum loan amount of $100,000.00. | Cash-out refinance on a land contract.<br> Loan amount less than the guideline minimum of $100,000. | REVIEWER - WAIVED COMMENT (2025-05-12): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-05-12): Client elects to waive with compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - 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 $213.25 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $213.25 exceeds tolerance of $182.00. Sufficient or excess cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient or no cure was provided to the borrower. at closing. No valid COC provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Sufficient cure provided at closing | BUYER - GENERAL COMMENT (2025-05-14): PC CD and payment history for cure uploaded.<br> REVIEWER - CURED COMMENT (2025-05-15): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br> REVIEWER - CURED COMMENT (2025-05-15): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000244 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Guideline Issue - Minimum of 600 square feet of gross living area required per company guidelines. | Non warrantable Condo(Guidelines require full project approval on all condos).<br> Subject property does not meet the minimum square footage(Minimum square foot is 600sq ft, actual is 516 sq ft). | REVIEWER - WAIVED COMMENT (2025-05-09): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025-05-09): Client elects to waive with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000315 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000316 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Excessive NSF's (Guidelines allow for 3, actual overdrafts is 40). | REVIEWER - WAIVED COMMENT (2025-08-05): Lender exception with compensating factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 200000222 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000217 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000210 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000211 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000346 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,049.26 exceeds tolerance of $1,755.00 plus 10% or $1,930.50. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $2,049.26 exceeds tolerance of r $1,930.50. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-05-20): credit for charges applied at closing and pccd with cover letter and pr applied<br> BUYER - GENERAL COMMENT (2025-05-20): COC for endorsement fee<br> REVIEWER - GENERAL COMMENT (2025-05-21): SitusAMC received Verified Changed Circumstance for increase in endorsement fee. A Verified Changed Circumstance (VCC) was provide stating the endorsement fee was increased to $346.25. This is an increase of only 5.56%% from the baseline amount. In order to re-baseline the 10% fees there needs to be an aggregate increase of more than 10%. Provide a Corrected CD disclosing the tolerance cure of $12.00 a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> BUYER - GENERAL COMMENT (2025-05-22): please clarify amount due for cure, $106.76 processed at closing and $4.30 post-closing. COC for endorsement increase to $341 on 02/26 provided, additional increase 02/28 to $346 reported. Appears cure needed is $5.50, please confirm<br> REVIEWER - GENERAL COMMENT (2025-05-23): SitusAMC received rebuttal comment. The required cure for 10% tolerance is $118.76, cure provided at closing is $106.76 cure provided post close is $4.30. Total cure provided till date is $111.06. Pending amount to cure is 118.76-111.06 = $7.70.<br> BUYER - GENERAL COMMENT (2025-06-02): updated cure with cd and cover letter uploaded<br> REVIEWER - GENERAL COMMENT (2025-06-03): SitusAMC Received Corrected PCCD, Letter of Explanation and Payment history; however, Payment history shows principal reduction as $12; however, PCCD shows principal reduction as $118.76. Provide Corrected PCCD showing principal reduction as $12.<br> BUYER - GENERAL COMMENT (2025-06-04): Please see PCCD & Pymt history showing an additional cure for the amount of $12.00. Lender credit for $106.76 plus cure of $12.00 gives the total cure requested for the amount of $118.76, due to increase in settlement charges.<br> REVIEWER - CURED COMMENT (2025-06-05): SitusAMC Received Corrected PCCD, LOE and Payment history. |  |  |  | - A B |
| XXXX | XXXX | 200000214 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000199 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Limited Cash-out GSE | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000361 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000195 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000204 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,092.19 exceeds tolerance of $2,741.00 plus 10% or $3,015.10. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $62.50 exceeds tolerance of $31.25. Sufficient or excess cure was provided to the borrower at Closing. (75117) |  | REVIEWER - CURED COMMENT (2025-05-19): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-05-19): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000232 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,695.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $1,695.00 exceeds tolerance of $0.00. No Valid change circumstance in file. | BUYER - GENERAL COMMENT (2025-05-27): cure with pccd and cover letter<br> REVIEWER - CURED COMMENT (2025-05-28): SitusAMC Received PCCD, LOE and Payment history. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000268 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor Qualifying Residual income discrepancy.: Calculated investor qualifying disposable income of $2,239.51 is less than AUS required disposable income of $2,500.00.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.88 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves and residual income<br> Investor qualifying disposable income of $2,239.51 is less than AUS required disposable income of $2,500.00.<br> Calculated PITIA months reserves of 5.88 is less than Guideline PITIA months reserves of 6.00. | REVIEWER - WAIVED COMMENT (2025-05-19): Lender Exception with Compensating Factors.<br> REVIEWER - WAIVED COMMENT (2025-05-19): Lender Exception with Compensating Factors.<br> REVIEWER - GENERAL COMMENT (2025-05-19): Exception sent to upper management for review to see if comp factors sufficient to clear exception.<br> REVIEWER - WAIVED COMMENT (2025-05-19): Lender Exception with Compensating Factors. | 1 |  |  |  | 1 |  |  |  |  | Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000213 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000194 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000193 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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).<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117) | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date.<br> Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: Escrowed property costs over Year 1 reflected as $1.222.40 on final CD , however actual payment is 122.40 x 12 = $1,466.88<br> Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: Projected Payments: Homeowner's insurance disclosed as not escrowed on Final Closing Disclosure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report re-Issue. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-06-20): Re-executed NORTC attached.<br> REVIEWER - GENERAL COMMENT (2025-06-24): Missing Letter of Explanation and Proof of Delivery.<br> BUYER - GENERAL COMMENT (2025-06-24): The letter of explanation was attached, it's on page 159 of Acuity and specifically addresses the documentation error in the first paragraph. Proof of delivery attached.<br> REVIEWER - CURED COMMENT (2025-06-26): Cure documentation received.<br> BUYER - GENERAL COMMENT (2025-06-20): See CD attached to finding 33498310, escrow corrected.<br> REVIEWER - CURED COMMENT (2025-06-23): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br> BUYER - GENERAL COMMENT (2025-05-29): The closing disclosure is correct, the only item included in escrow is the $122.24 monthly flood insurance. This was disclosed as "Other" on the final CD.<br> REVIEWER - GENERAL COMMENT (2025-05-30): Regraded to EV2-B as the Flood Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners insurance, but instead was disclosed under other.<br> BUYER - WAIVED COMMENT (2025-06-02): .<br> BUYER - GENERAL COMMENT (2025-06-20): Complete cure attached.<br> REVIEWER - CURED COMMENT (2025-06-23): Situsamc Received Corrected PCCD, LOE and payment history. | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - A B |
| XXXX | XXXX | 200000236 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000289 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000202 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Massachusetts HPML Threshold Test Compliant: Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 8.14486% or Final Disclosure APR of 8.16900% is equal to or greater than the threshold of APOR 6.66% + 1.5%, or 8.16000% Compliant Higher Priced Loan. | State Compliance - Massachusetts HPML Threshold Test Compliant: Loan: APR on subject loan of 8.14486% or Final Disclosure APR of 8.16900% is equal to or greater than the threshold of APOR 6.66% + 1.5%, or 8.16000% | BUYER - WAIVED COMMENT (2025-06-03): Accepted |  |  |  | - A B |
| XXXX | XXXX | 200000317 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Insufficient curewas provided to the borrower. | BUYER - GENERAL COMMENT (2025-05-27): cure and pccd with cover letter<br> REVIEWER - CURED COMMENT (2025-05-29): SitusAMC received Letter of Explanation, Payment History and Corrected CD.<br> REVIEWER - CURED COMMENT (2025-05-29): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A B |
| XXXX | XXXX | 200000201 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) |  | BUYER - WAIVED COMMENT (2025-05-27): Approve |  |  |  | - A B |
| XXXX | XXXX | 200000192 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $62.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75117) |  | REVIEWER - CURED COMMENT (2025-05-19): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000180 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000235 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - 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 $278.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $278.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $278.00 exceeds tolerance of $100.00 without a valid change of circumstance. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-06-03): cure applied at closing for increased fee<br> REVIEWER - CURED COMMENT (2025-06-04): SitusAMC received Letter of Explanation, Payment history and Corrected CD.<br> REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided within 60 Days of Closing<br> REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000288 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000327 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000238 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $177.75 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided. | REVIEWER - CURED COMMENT (2025-05-28): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000330 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Residual not met. Guideline requires minimum $2500 residual income. Borrower residual is $XXX. Short $XXX. | REVIEWER - WAIVED COMMENT (2025-05-29): Client elects to waive with compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,911.75 exceeds tolerance of $1,440.75 plus 10% or $1,584.83. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,911.75 exceeds tolerance of $1,440.75 plus 10% or $1,584.83. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten percent fee tolerance in the amount of $1,911.75 exceeds tolerance of $1,584.83. Insufficient or no cure was provided to the borrower at closing. No valid COC provided. | BUYER - GENERAL COMMENT (2025-06-03): Please see PCCD & Pymt History showing a cure for the amount of $386.33 more than enough to cure for exceeding settlement charges for more than 10%<br> REVIEWER - CURED COMMENT (2025-06-04): SitusAMC Received Corrected PCCD, LOE and Payment History.<br> REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - B A |
| XXXX | XXXX | 200000206 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit report Fee was disclosed on initial Loan estimate as $0 but disclosed but final Closing Disclosure $31.25. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | BUYER - GENERAL COMMENT (2025-06-03): Please see PCCD & pymt history attached showing a cure for the amount of $31.25 due to increase in credit report fee.<br> REVIEWER - CURED COMMENT (2025-06-04): Situsamc Received Corrected PCCD, LEO and Payment history<br> REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000237 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025)<br> [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. | BUYER - GENERAL COMMENT (2025-06-06): Initial appraisal and proof of delivery uploaded. Appraisal referenced by reviewer is a revised appraisal that value was not affected. Please downgrade and waive.<br> REVIEWER - WAIVED COMMENT (2025-06-10): Client accepts EV2.<br> BUYER - GENERAL COMMENT (2025-06-06): Initial appraisal and proof of delivery uploaded. Appraisal referenced by reviewer is a revised appraisal that value was not affected. Please downgrade and waive.<br> REVIEWER - WAIVED COMMENT (2025-06-10): Client accepts EV2.<br> REVIEWER - WAIVED COMMENT (2025-06-16): Waived per client request. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000372 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000310 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000309 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 200000189 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75117) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Re-Issue Fee was last disclosed as $0 on Loan Estimate but disclosed as $30 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-06-03): cure with pccd and cover letter uploaded<br> REVIEWER - CURED COMMENT (2025-06-04): SitusAMC Received Corrected PCCD, LOE and Payment history.<br> REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 200000270 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - 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 $575.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-05-28): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 200000203 | XXXX XXXX | XXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
|  |  |  | XXXX XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.1

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| ![](situsamc.jpg) |
| **Exception Grades** |

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| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 200000388 |  | 34226146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient <br> Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee <br> Tolerance exceeded for Transfer Tax. Fee Amount of <br> $10,557.50 exceeds tolerance of $10,155.41. Sufficient <br> or excess cure was provided to the borrower at <br> Closing. | Transfer tax fee amount of $10,557.50 exceeds <br> tolerance of $10,155.41. Sufficient or excess cure was <br> provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure <br> Provided At Closing |  | XX/XX/XXXX 7:22:51 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000391 |  | 34226152 |  | 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 $XXXexceeds tolerance of $62,745.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 6:38:04 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000392 |  | 34226156 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower received revised copy of appraisal on XX/XX/XXXX. Appraisal was not provided at or before closing on XX/XX/XXXX. |  |  |  | Buyer Comment (2025-06-18): XXXXacknowledges and waives this non-material EV2 finding<br>Reviewer Comment (2025-06-09): Provided Appraisal notice contains Appraisal delivered on XX/XX/XXXX which is post close date XX/XX/XXXX, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing, Exception remains.<br>Seller Comment (2025-06-06): Appraisal 3 Day Waiver<br> Do Appraisal Waiver.pdf (Appraisal) was uploaded<br>Reviewer Comment (2025-06-03): Exception remains, missing acknowledgement evidence that borrower was received copy of Appraisal within 3 business days prior to Closing. Provided Appraisal notice contains Appraisal delivered on XX/XX/XXXX which is post close date XX/XX/XXXX.<br>Seller Comment (2025-05-30): XXXX DO Appraisal Waiver and Closing Appraisal.pdf (Unclassified) was uploaded |  |  | XX/XX/XXXX 11:29:56 AM | 2 B |  | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 200000394 |  | 34226169 |  | 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 $105.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:32:52 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000396 |  | 34226175 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file requested for missing 12 month bank statements for Rental payments. LOE from borrower states payments are made via money orders bought with cash. Borrower has no tradelines reporting activity within the last 24 months and Rental payments not on CBR are only eligible for tradeline usage if documented with bank records. With Lender Exception approval for no bank records on rental history the borrower still leaves the borrower short on 1 tradeline to meet the guideline requirement of 2 tradelines active within the last 24 months. \*\*\*Unable to downgrade/waive due to missing lender compensating factors for exception\*\*\*. | Borrower has been employed in the same industry for <br> more than 5 years.<br>Borrower has verified disposable income of at least <br> $2500.00.<br>Borrowers made a down payment from their own <br> funds on this purchase transaction of at least 5% and <br> $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than <br> the guideline maximum.<br>The representative FICO score exceeds the guideline <br> minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-06): Client elects to waive with compensating factors.<br>Seller Comment (2025-06-04): Added comp factors to 1008<br> XXXX 1008.pdf (Unclassified) was uploaded |  |  | XX/XX/XXXX 9:23:38 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000400 |  | 34226193 |  | 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 $170.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:27:50 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000403 |  | 34226204 |  | 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 $163.92 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 10:08:23 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000404 |  | 34226208 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for loan amount above guideline maximum of $2.5MM is approved. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: XX.XX% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 8:29:44 AM | 2 B |  | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 200000408 |  | 34226221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Revised Appraisal report dated XX/XX/XXXX was not provided on or before the Note date of XX/XX/XXXX. |  |  |  | Buyer Comment (2025-06-18): XXXXacknowledges and waives this non-material ECOA finding<br>Reviewer Comment (2025-06-12): Appraisal was sent to borrower but missing acknowledgement that borrower received appraisal prior to or at closing. exception remains.<br>Seller Comment (2025-06-11): Initial reports delivered timely. The revised report had a minor revision of the contract section being updated<br> XXXXXXXXX Appraisal Delivery.pdf (Delivery Confirmation) was uploaded |  |  | XX/XX/XXXX 10:39:38 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000408 |  | 34226222 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Revised Appraisal report dated XX/XX/XXXX was not provided on or before the Note date of XX/XX/XXXX. |  |  |  | Buyer Comment (2025-06-18): XXXXacknowledges and waives this non-material ECOA finding<br>Reviewer Comment (2025-06-16): Unable to confirms if borrower received appraisal with report date XX/XX/XXXX.<br>Seller Comment (2025-06-11): XXXXXXXXX Appraisal Delivery.pdf (Delivery Confirmation) was referenced |  |  | XX/XX/XXXX 10:39:54 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000425 |  | 34226283 |  | 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 $111.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:21:03 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000426 |  | 34226286 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Buyer Comment (2025-07-02): EV2 acknowledged. |  |  | XX/XX/XXXX 2:15:36 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000435 |  | 34226299 |  | 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 $102.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased from $100.00 to $102.00 without any valid changed circumstances. No Cure was provided. |  |  |  | Reviewer Comment (2025-06-23): SItusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-20): Clearer copy of check uploaded for review.<br>Reviewer Comment (2025-06-19): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. However, the provided Copy of refund check is cutoff from bottom. Kindly provide complete copy of refund check in order to cure the exception.<br>Buyer Comment (2025-06-18): PCCD cure documentation uploaded for review. |  | XX/XX/XXXX 5:29:50 AM |  | 2 B |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: <br> Letter of Explanation, Proof of Delivery, Copy <br> of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000441 |  | 34226313 |  | 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 $89.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification of employment fee amount of $89.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:16:33 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000441 |  | 34226315 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for XX% LTVwhen 75% LTV is max due to declining market is approved. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Reserves: 16.40<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXX | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-11): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 12:09:26 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000443 |  | 34226322 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $180.00 plus 10% or $198.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:52:38 PM |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000451 |  | 34226355 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | No evidence in file showing borrower received original copy of appraisal. |  |  |  | Reviewer Comment (2025-06-23): Client elects to waive.<br>Buyer Comment (2025-06-23): XXXXacknowledges and waives this non-material EV2 finding.<br>Reviewer Comment (2025-06-23): Exception remains: The applicant cannot waive the three-business-days-before-closing deadline under the HPML Appraisal Rule.<br>Seller Comment (2025-06-20): An appraisal Waiver was also provided, so it should be sufficient...no?<br>Reviewer Comment (2025-06-20): Unable to clear. Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation.<br>Seller Comment (2025-06-17): Evidnece of Appraisal waiver<br> 37385 To Appraisal Waiver.pdf (Delivery Confirmation) was uploaded |  |  | XX/XX/XXXX 12:30:17 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000456 |  | 34226373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for 4% seller concession at XX% LTVvs guideline max of 3% is approved. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-13): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 12:24:05 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000462 |  | 34226395 |  | 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 $693.00 exceeds tolerance of $270.00 plus 10% or $297.00. Sufficient or excess cure was provided to the borrower at Closing. | Total fee amount of $693.00 exceeds tolerance of $270.00 plus 10% or $297.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:16:03 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000462 |  | 34226396 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $19.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report re-issue amount of $19.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:16:03 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000468 |  | 34226412 |  | 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 $182.80 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:29:41 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000472 |  | 34226434 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to allow XX% LTVon rural property vs guideline max of XX.XX% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been employed in the same industry for more than 5 years.<br>Reserves: 39.87<br> Guideline Requirement: 6.00<br>Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. |  |  | XX/XX/XXXX 5:25:03 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000475 |  | 34226451 |  | 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 $1,065.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-06-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-26): Submitted PCCD, LOE, Check, and Shipping label for review. |  | XX/XX/XXXX 7:31:36 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000480 |  | 34226461 |  | 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 $350.50 exceeds tolerance of $230.00 plus 10% or $253.00. Sufficient or excess cure was provided to the borrower at Closing. | Total fee amount of $350.50 exceeds tolerance of $230.00 plus 10% or $253.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-06-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:09:22 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000483 |  | 34226467 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LTV exception to allow XX% | Miscellaneous<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves - residual - Mortgage paid 0 x 30<br>DTI: XX.XX%<br> Guideline Maximum DTI: 50.00000% | Originator<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-20): Client elected to waive exceptions with compensating factors. |  |  | XX/XX/XXXX 2:25:39 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 200000484 |  | 34226470 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for LTV of XX% vs max of XX.XX% | Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>DTI: XX.XX%<br> Guideline Maximum DTI: 50.00000% | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 3:33:36 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 200000494 |  | 34226483 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for log home is approved. | Miscellaneous<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers FICO is XXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXX | Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-27): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 10:11:41 AM | 2 B |  | XX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000377 |  | 34226500 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower FICO score of XXX is less than the guideline requirement of 720, for a loan amount greater than $3,000,000. The loan file does not contain a lender approved exception for the FICO score. | 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Same industry for more than 5 years.<br>Reserves: 39.25<br> Guideline Requirement: 9.00 | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-08): Client elects to waive with comp factors.<br>Buyer Comment (2025-04-08): XX approves FICO exception (not an exception to current guidelines) based on comp factors: 39 months reserves, 37 years in home, 10 years on job / 18 years in same field. |  |  | XX/XX/XXXX 4:15:11 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000378 |  | 34226508 |  | 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 $225.00 exceeds tolerance of $170.00 plus 10% or $187.00. Insufficient or no cure was provided to the borrower. | $55.00 violation due to increase in Recording Fees. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-27): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-03-26): PCCD cure documentation uploaded for review. |  | XX/XX/XXXX 5:34:21 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000308 |  | 34399231 |  | 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 5.020XX.XX% 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 $XXX,XXX vs. an allowable total of $15,513.95 (an overage of $63.86 or .020XX.XX%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-08-22): SitusAMC received evidence of borrower's choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing;<br>Buyer Comment (2024-08-16): Proof cure check cashed uploaded.<br>Reviewer Comment (2024-08-13): Please provide a copy of the canceled check, indicating the borrower's choice was to accept the refund vs keeping the HOEPA loan.<br>Buyer Comment (2024-08-05): PCCD, LOE, HC LOE, cure check and proof of delivery uploaded.<br>Reviewer Comment (2024-07-17): Because the Undiscounted Starting Rate of X.XX exceeds the APOR of 6.71 by more than 2%, no loan discounts can be excluded. P&F are over the limit.<br> The rule says:<br> If Undiscounted Rate does not exceed APOR by more than 1%, 2 bona fide discounts points may be excluded.<br> If Undiscounted Rate exceeds 1% but does not exceed by more than 2%, 1 bona fide discount point may be excluded.<br> If Undiscounted Rate exceeds APOR by more than 2%, no bona fide discount points are eligible for exclusion.<br>Buyer Comment (2024-07-11): Rate lock confirmation reflecting discount points bona fide and should be excluded from calculation. |  | XX/XX/XXXX 4:50:04 PM |  | 2 B |  | XX | 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. B | Non QM | Non QM | No |
| XXXX | XXXX | 200000308 |  | 34399238 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible Property Type. 1004 reflects Rural. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Lender Exception with Compensating Factors. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-07-17): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-07-11): Proof child support received for 6 months and questionnaire completed by CPA stating borrower has been in business for 15 years uploaded.<br>Reviewer Comment (2024-07-03): Income docs missing so unable to use residual income as CF. Can be applied when income is 100% verified with all docs present. Unable to downgrade and waive at this time. |  |  | XX/XX/XXXX 1:04:30 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000356 |  | 34399248 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-08-30): Cured prior to discovery.<br>Buyer Comment (2024-08-28): Please see the final CD dated XX/XX/XXXXhich shows a correct escrow acct also the initial escrow account disclosure statement showing also correct escrow amount. |  | XX/XX/XXXX 4:14:13 PM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | No |
| XXXX | XXXX | 200000356 |  | 34399249 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final CD reflects a Monthly Escrow Payment of $800.70, yet the PC CD with a date ofXX/XX/XXXXhows the escrow payment as $1,205.75. |  |  |  | Reviewer Comment (2024-08-30): Cured prior to discovery.<br>Buyer Comment (2024-08-28): Please see the final CD dated XX/XX/XXXXhich shows a correct escrow acct also the initial escrow account disclosure statement showing also correct escrow amount. |  | XX/XX/XXXX 4:14:27 PM |  | 2 B |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000286 |  | 34399256 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds guideline maximum. Lender did not use the Co-Borrower's primary property PITIA for qualification. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has a clean housing payment history<br>Miscellaneous | 5+ years on job.<br>Residual income is >$2,500.<br>Excellent Credit Management with FICO > 720<br>Prior homeownership experience (No FC or Short Sale)<br>Low housing ratio of 25% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-13): Lender exception with compensating factors.<br>Reviewer Comment (2024-08-12): Regraded to EV2-B based on sufficient compensating factors.<br>Reviewer Comment (2024-08-07): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>Buyer Comment (2024-07-26): Please note XX.XX% DTI, Income = $XXXX, total monthly payments = $XXXX. DTI per 1008 initially uploaded XX.XX%<br>Reviewer Comment (2024-07-19): Please provide updated 1008 reflecting DTI of XX.XX%ncluding payment for primary property.<br>Buyer Comment (2024-07-16): Post Consummation Exception Approval for DTI > 50% |  |  | XX/XX/XXXX 12:41:30 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000286 |  | 34399257 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds guideline maximum. Lender did not use the Co-Borrower's primary property PITIA for qualification. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has a clean housing payment history<br>Miscellaneous | 5+ years on job.<br>Residual income is >$2,500.<br>Excellent Credit Management with FICO > 720<br>Prior homeownership experience (No FC or Short Sale)<br>Low housing ratio of 25% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-13): Lender exception with compensating factors.<br>Reviewer Comment (2024-08-12): Regraded to EV2-B based on sufficient compensating factors.<br>Reviewer Comment (2024-08-07): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%.<br>Buyer Comment (2024-07-26): Please note XX.XX% DTI, Income = $XXXX, total monthly payments = $XXXX. DTI per 1008 initially uploaded XX.XX%<br>Reviewer Comment (2024-07-19): Please provide updated 1008 reflecting DTI of XX.XX%ncluding payment for primary property.<br>Buyer Comment (2024-07-16): Post Consummation Exception Approval for DTI > 50% |  |  | XX/XX/XXXX 12:41:38 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000286 |  | 34399261 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification final appraisal report was delivered to borrower at least 3 business days prior to closing was not provided. |  |  |  | Buyer Comment (2024-07-12): Approve |  |  | XX/XX/XXXX 12:06:35 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000286 |  | 34399263 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Loan is not High Cost or HPML, new exception set. |  |  |  | Buyer Comment (2024-09-06): accept<br>Buyer Comment (2024-09-04): NORTC executed by B1 uploaded. |  |  | XX/XX/XXXX 6:56:32 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000285 |  | 34399265 |  | Credit | Guideline | Guideline Issue | Guideline | Gift Funds not allowable per guidelines. |  | Gift funds not allowed per guidelines on investment transactions. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | XX/XX/XXXX 12:23:22 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000285 |  | 34399266 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-09-10): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX.<br>Buyer Comment (2024-09-05): XXXapproved PTC by XXXfor reserves was uploaded previously. Please clear exceptions.<br>Reviewer Comment (2024-09-05): Appraisal POC is updated requirement of reserves is short by $XXX require additional assets to cover reserves Exception remains<br>Buyer Comment (2024-09-03): Appraisal invoice paid by cc and can be excluded from POCs. Borrower has sufficient verified funds to close.<br>Reviewer Comment (2024-08-27): Required funds is $XXX. Cash to close $XXX, POC's $XXX and EMD $XXX = $XXX. Verified funds are EMD $XXX, XXXXXXXXXXX $XXX and $XXX, XXXXX$XXX, XXXXXXXXX $XXX, $XXX and $XXX, XXXXXXXXX$XXX and XXXXXXXXXXX $XXX = $XXX.<br>Buyer Comment (2024-08-23): XXXapproved PTC by XXXfor reserves uploaded. |  |  | XX/XX/XXXX 2:23:45 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000285 |  | 34399267 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $XXX. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-05): XXXapproved PTC by XXXfor reserves was uploaded previously. Please clear exceptions.<br>Reviewer Comment (2024-09-05): Appraisal POC is updated & Gift Fund of $35,000 already considered in balance account of xxxxxxXXXXand requirement of reserves is short by $XXX require additional assets to cover reserves Exception remains<br>Buyer Comment (2024-09-05): Please see image D0046 reflecting $35K deposited into XXXXXXXXX ending in XXXXon X/XX.<br>Buyer Comment (2024-09-03): Appraisal invoice paid by cc and can be excluded from POCs. Borrower has sufficient verified funds to close.<br>Reviewer Comment (2024-08-27): Required funds is $XXX. Cash to close $XXX, POC's $XXX and EMD $XXX = $XXX. Verified funds are EMD $XXX, XXXXXXXXXXX $XXX and $XXX, XXXXX$XXX, XXXXXXXXX $XXX, $XXX and $XXX, XXXXXXXXX$XXX and XXXXXXXXXXX $XXX = $XXX.<br>Buyer Comment (2024-08-23): XXXapproved PTC by XXXuploaded fo reserves. |  |  | XX/XX/XXXX 2:39:43 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000285 |  | 34399268 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV for first time investor is 65% and the subject loan LTV is XX.XX% | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | XX/XX/XXXX 12:23:41 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000285 |  | 34399269 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV for first time investor is 65% and the subject loan LTV is XX.XX% | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | XX/XX/XXXX 12:23:57 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000285 |  | 34399272 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Max LTV for first time investor is 65% and the subject loan LTV is XX.XX% | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | XX/XX/XXXX 12:24:23 PM | 2 B |  | XX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 200000275 |  | 34399285 |  | 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 $153.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 6:17:03 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000265 |  | 34399294 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Borrower charged for 2nd appraisal. |  |  |  | Reviewer Comment (2024-09-25): Cure documentation provided.<br>Buyer Comment (2024-09-19): PCCD, LOE, cure check and proof of delivery uploaded. |  | XX/XX/XXXX 9:31:00 AM |  | 2 B |  | XX | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000353 |  | 34399301 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is a non permanent resident alien which is ineligible per guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Excellent credit management with FICO 720+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-16): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:18:42 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000338 |  | 34399316 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure Signed by Borrower | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing. | The Tangible Net Benefit was signed at closing. |  |  |  | Buyer Comment (2024-12-04): Approve<br>Reviewer Comment (2024-12-03): Closing date is XX/X, document needs to be signed prior to closing.<br>Buyer Comment (2024-11-22): Signed disclosure uploaded. |  |  | XX/XX/XXXX 12:13:56 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000338 |  | 34399317 |  | 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 $107.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $107.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient, so please provide COC/Final CD for changed fee amount. |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:34:51 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000338 |  | 34399318 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $339.75 exceeds tolerance of $324.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $339.75 exceeds tolerance of $324.00. Sufficient, so please provide COC/Final CD for changed fee amount. |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:34:51 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000338 |  | 34399319 |  | 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 $398.12 exceeds tolerance of $341.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $398.12 exceeds tolerance of $341.00. Sufficient, so please provide COC/Final CD for changed fee amount. |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:34:51 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000297 |  | 34399320 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The file was missing the secondary valuation required for securitization purposes. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | SitusAMC,Originator | Reviewer Comment (2024-12-23): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | XX/XX/XXXX 12:54:42 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000297 |  | 34399324 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $48.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. A credit report re-issue fee was added without a valid change of circumstance.Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-12-30): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-12-27): Please see PCCD & Pymt history attached showing a cure for $48.00 due to increase in credit report fee. PCCD was included in the original binder please see pages # 910 to 917 |  | XX/XX/XXXX 10:06:07 PM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000297 |  | 34399325 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $48.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2024-12-30): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 10:07:24 PM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399326 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Final Report Date listed on the Appraisal is post closing. The Timing Waiver for the Appraisal report is missing from the loan file. |  |  |  | Buyer Comment (2025-02-04): Approve<br>Reviewer Comment (2025-02-03): Delivery of CDA was not provided in upload. Delivery required as the CDA value was different than the appraisal. Exception is an EV2 and can be elected to waive.<br>Buyer Comment (2025-01-28): Initial appraisal uploaded.<br>Reviewer Comment (2025-01-26): This exception is for the CDA. See date of report in exception "(Type:SecondaXX/XX/XXXX024)".<br>Buyer Comment (2025-01-16): Appraisal proof of delivery uploaded. Please note, it is acceptable to deliver the revised appraisal PC as it does not affect the value. |  |  | XX/XX/XXXX 5:46:41 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399329 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). | The Title-Filing Fee appears to be the fee that is causing the under disclosed finance charge. |  |  |  | Reviewer Comment (2025-02-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-01-31): PCCD, LOE, cure check and proof of delivery uploaded.<br>Reviewer Comment (2025-01-27): The filing fee is disclosed in section C, and paid to a title entity rather than the county. The fee is tested as an APR fee. Cure is required.<br>Buyer Comment (2025-01-24): Please see Mavent report attached. Seller believes AMC is including Title - Recording Service Fee in error. |  | XX/XX/XXXX 9:29:31 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399331 |  | 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 $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 9:21:39 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399332 |  | 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 $360.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee. Fee Amount of $360.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 9:21:39 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399333 |  | 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 $201.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee. Fee Amount of $201.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 9:21:39 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXis over disclosed by $125.00 compared to the calculated Amount Financed of$XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). | The Title-Filing Fee appears to be the fee that is causing the under disclosed finance charge. |  |  |  | Reviewer Comment (2025-02-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-01-31): PCCD, LOE, cure check and proof of delivery uploaded.<br>Reviewer Comment (2025-01-27): The filing fee is disclosed in section C, and paid to a title entity rather than the county. The fee is tested as an APR fee. Cure is required.<br>Buyer Comment (2025-01-24): Please see Mavent report attached. Seller believes AMC is including Title - Recording Service Fee in error. |  | XX/XX/XXXX 9:30:00 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000293 |  | 34399341 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-02-04): Approve<br>Reviewer Comment (2025-02-03): Exception is an EV2 and can be elected to waive. |  |  | XX/XX/XXXX 5:46:29 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000258 |  | 34399345 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00.The Post Closing Disclosure issued on XX/XX/XXXX does reflect the exceeded amount on page 3 in the calculating cash to close table, however, it is not listed on pages 1 or 2. |  |  |  | Reviewer Comment (2025-01-29): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-01-27): Please see image D0307, pages 181 - 186 PCCD reflecting $24 PR cure issued. Payment history reflecting PR uploaded. |  | XX/XX/XXXX 12:08:30 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000258 |  | 34399346 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The Guidelines require verification of the primary residence housing history. The Borrower is unable to provide the required housing history. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Low default risk with substantial equity, LTV 25% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-04-03): XX Update.<br>Reviewer Comment (2025-02-03): Lender exception with compensating factors.<br>Buyer Comment (2025-01-27): Please see image D0155 pages 1-2, Underwriting Exception Details reflect an exception approval for housing history. |  |  | XX/XX/XXXX 3:31:28 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000258 |  | 34399348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-02-03): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 3:33:52 PM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000452 |  | 34399349 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved due to borrower not having outstanding mortgages on credit report and they do not have a 12-month verifiable housing history. We have verified 9 months history but prior to that they did not have a formal rental agreement (lived with a friend) | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-13): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 3:28:37 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000457 |  | 34399358 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was provided on XX/XX/XXXX |  |  |  | Buyer Comment (2025-06-26): XXXXacknowledges and waives this non-material EV2 finding. |  |  | XX/XX/XXXX 10:12:05 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000626 |  | 34399373 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 3.38 is less than Guideline PITIA months reserves of 6.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: $4,395.75<br>Guidelines Representative FICO: 660<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-03): Client elects to waive with compensating factors.<br>Seller Comment (2025-06-30): 1008<br> XXXXXXX(Unclassified) was referenced<br>Reviewer Comment (2025-06-27): Received PCCD showing borrower received cash out of $26,718.31. However there were prepaids paid at closing in the amount of $1,931.58 which is deducted from the cash out. The amount of reserves is now 5.79 months, however 6 months are required. Exception remains.<br>Reviewer Comment (2025-06-27): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 3.38 is less than Guideline PITIA months reserves of 6.00.<br>Seller Comment (2025-06-27): per the pccd cash back was >$26K which cover the 6 mos<br> XXXX PCCD.pdf (Unclassified) was referenced |  |  | XX/XX/XXXX 8:21:57 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000626 |  | 34399374 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval for delinquent property taxes. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: $4,395.75<br>Guidelines Representative FICO: 660<br> Representative FICO: XXX | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-25): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 1:57:29 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000627 |  | 34399384 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Approved for living rent free from XX/XX - XX/XX. Unable to downgrade/waive due to missing lenders compensating factors. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $26,545.45<br>DTI: XX.XX%<br> Guideline Maximum DTI: 50.00000% | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-09): Client elects to waive with compensating factors.<br>Seller Comment (2025-07-03): Please see 1008 with comp factor<br> XXXXXXupdated 1008.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-07-02): Received lenders 1 comp factor of Fico, however that compensating factor is not available to due diligence as fico is only 20 bps over the minimum. Must be at least 40 bps over. Please provide additional compensating factors.<br>Seller Comment (2025-06-27): Please see attached 1008 for comp factors<br> XXXXXX1008.pdf (Unclassified) was uploaded |  |  | XX/XX/XXXX 7:34:00 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000628 |  | 34399393 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to not require a copy of full trust distribution. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: XX.XX%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-26): Client elected to waive exceptions with compensating factors. |  |  | XX/XX/XXXX 5:31:20 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000501 |  | 34399398 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment provided datedXX/XX/XXXX; note date isXX/XX/XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: XXX | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-02): Lender approved exception for VVOE dated within 11 days prior to closing. File also contains a post closing verification. Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-01): Approved credit exception and VVOE uploaded for review. |  |  | XX/XX/XXXX 11:21:52 AM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 200000503 |  | 34399421 |  | 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 $425.00 exceeds tolerance of $375.00 plus 10% or $412.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 8:57:51 AM |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000503 |  | 34399422 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow less than 12 months seasoning between the prior cash out loan and this rate term refinance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Same industry for more than 5 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: XXX | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-02): Client elects to waive with comp factors. |  |  | XX/XX/XXXX 10:19:00 AM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000507 |  | 34399456 |  | 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 $268.00 exceeds tolerance of $27.00 plus 10% or $29.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:37:05 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000507 |  | 34399457 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:37:05 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000507 |  | 34399458 |  | 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 $990.00 exceeds tolerance of $825.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 1:37:05 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000326 |  | 34399464 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $125.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  | Reviewer Comment (2024-05-03): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-05-01): NORTC request and FedEx label uploaded<br>Buyer Comment (2024-05-01): NORTC signed<br>Reviewer Comment (2024-04-26): Reopening of rescission must be provided in order to cure.<br>Buyer Comment (2024-04-24): cure check, fedex label for check, corrected cd with lender prepaid fees included<br>Reviewer Comment (2024-04-17): SitusAMC received rebuttal & docs for lock with bona fide discount points. However, items will not address the finance charge violation. Finance charge was underdisclosed by $125. The fees included in finance charge calculation are: Discount $5600, Broker $5300, prepaid int $493.04, tax service $84, title-CPL $25, title-courier $95, Title-Service charges $250, title-settlement $250 and underwriting fee $900. To cure a Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $125, proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2024-04-15): lock with bona fide discount point uploaded |  | XX/XX/XXXX 4:50:11 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000326 |  | 34399465 |  | 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 $370.00 exceeds tolerance of $245.00 plus 10% or $269.50. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $370.00 exceeds tolerance of $245.00 plus 10% or $269.50. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2024-04-25): SitusAMC Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2024-04-24): corrected cd<br>Buyer Comment (2024-04-24): cure |  | XX/XX/XXXX 8:19:49 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000326 |  | 34399467 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-04-25): SitusAMC Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2024-04-24): corrected cd<br>Buyer Comment (2024-04-24): cure |  | XX/XX/XXXX 8:20:15 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000299 |  | 34399480 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2024-04-09): accept exception grade 2 |  |  | XX/XX/XXXX 6:18:44 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000299 |  | 34399484 |  | 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 $187.89 exceeds tolerance of $120.00. Insufficient or no cure was provided to the borrower. | Valid Change Circumstance not provided |  |  |  | Reviewer Comment (2024-04-10): SitusAMC Received PCCD, LOE and Payment history<br>Buyer Comment (2024-04-09): Cure and corrected CD |  | XX/XX/XXXX 7:44:26 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000299 |  | 34399485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,750.00 exceeds tolerance of $3,283.00. Insufficient or no cure was provided to the borrower. | Valid Change Circumstance not provided |  |  |  | Reviewer Comment (2024-04-10): SitusAMC Received PCCD, LOE and Payment history<br>Buyer Comment (2024-04-09): Cure and corrected CD |  | XX/XX/XXXX 7:44:36 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000299 |  | 34399487 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender granted exception for excessive NSF's. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<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. | Borrower's own funds used for down payment and closing (No gifts or DPA).<br>5 plus years on job<br>Residual income greater than $2,500. | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2024-03-29): Lender granted exception approval with compensating factors listed. |  |  | XX/XX/XXXX 3:34:40 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000325 |  | 34399508 |  | 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 $5,156.60 exceeds tolerance of $4,137.00 plus 10% or $4,550.70. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $5,156.60 exceeds tolerance of $4,137.00 plus 10% or $4,550.70. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-11): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 3:22:17 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000325 |  | 34399509 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $13,437.99 exceeds tolerance of $12,598.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $13,437.99 exceeds tolerance of $12,598.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-11): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2024-08-06): SitusAMC received Changed Circumstance dated XX/XX/XXXX, but it does not give sufficient information on why the Broker fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-08-05): Disclosure tracking details reflecting VCOC uploaded. |  | XX/XX/XXXX 3:22:30 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000325 |  | 34399510 |  | 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 $189.10 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $189.10 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-11): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 3:22:41 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000325 |  | 34399511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,511.24 exceeds tolerance of $8,306.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,511.24 exceeds tolerance of $8,306.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-12): SitusAMC Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-11): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 3:22:51 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399530 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 10.49108% or Final Disclosure APR of 10.58400% is equal to or greater than the threshold of APOR 7.19% + 1.5%, or 8.69000%. Compliant Higher Priced Loan. | APR on subject loan of 10.49108% or Final Disclosure APR of 10.58400% is equal to or greater than the threshold of APOR 7.19% + 1.5%, or 8.69000%. Compliant Higher Priced Loan. |  |  |  | Buyer Comment (2024-08-13): compliant HPML |  |  | XX/XX/XXXX 8:09:05 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399531 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $2,875.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $0.00. Insufficient, So please provide COC/Final Cd for changed fee amount. |  |  |  | Reviewer Comment (2024-09-09): SitusAMC received Corrected CD, Payment history and Letter of Explanation.<br>Buyer Comment (2024-09-06): Cure attached. The broker fee was disclosedXX/XX/XXXXthe subsequent increase on XX/XX was not disclosed on time and required cure.<br>Reviewer Comment (2024-09-04): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109)<br>Reviewer Comment (2024-08-27): SitusAMC received rebuttal, however loan amount changed on CD dated XX/XX and COC available in file for loan amount change is dated XX/XX/XXXX. A valid Changed Circumstance within 3 days or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-08-26): The change to the broker fee from Lender Paid to Borrower Paid was disclosed onXX/XX/XXXXith the initial Closing Disclosure. The subsequent increase to the broker fee was due to the borrower's requested increase to the loan amount onXX/XX/XXXXBroker fee decreased after these COCs, no cure would be required. |  | XX/XX/XXXX 4:53:58 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399534 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of 25% or less.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 6:02:37 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399535 |  | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of 25% or less.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 6:02:28 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399536 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business open less than 2 years. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of 25% or less.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 6:02:21 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000266 |  | 34399543 |  | 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 $230.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-09): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:52:21 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000349 |  | 34399609 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 10.60346% or Final Disclosure APR of 10.62500% is equal to or greater than the threshold of APOR 6.45% + 1.5%, or 7.95000%. Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-10-04): Please clear as grade is 1. |  |  | XX/XX/XXXX 4:02:02 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000349 |  | 34399611 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural and is ineligible per guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Miscellaneous<br>Miscellaneous | Residual income >$2,500.<br>Low housing ratio of 25% or less.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-03-05): XX Update.<br>Reviewer Comment (2024-12-05): XX Update<br>Reviewer Comment (2024-12-05): DTI and score updated. Affects XX.<br>Reviewer Comment (2024-10-02): Lender exception with compensating factors. |  |  | XX/XX/XXXX 1:19:43 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000349 |  | 34399612 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject loan is a cash out refinance and seasoning of 6 months has not been met. | Borrower has verified disposable income of at least $2500.00.<br>Miscellaneous<br>Miscellaneous | Residual income >$2,500.<br>Low housing ratio of 25% or less.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-03-05): XX Update.<br>Reviewer Comment (2024-12-05): XX Update<br>Reviewer Comment (2024-12-05): DTI and score updated. Affects XX.<br>Reviewer Comment (2024-10-02): Lender exception with compensating factors. |  |  | XX/XX/XXXX 1:19:52 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000352 |  | 34399635 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds the guideline maximum of 50%. Final 1008 indicates Driveway was paid in full however there is no evidence in file and debt with Regional not included on the 1003 debt. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Housing Ratio 25% or less.<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-11): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-11): Downgraded to EV2-B based on comp factors approved by X. XXXXX.<br>Reviewer Comment (2024-12-10): Cleared in error.<br>Reviewer Comment (2024-12-10): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-26): XXXexception approval uploaded.<br>Reviewer Comment (2024-11-26): PC exception does not include any compensating factors from category A.<br>Reviewer Comment (2024-11-22): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XX.XX%exceeds Guideline total debt ratio of 50.00000%.<br>Buyer Comment (2024-11-08): Post Consummation Exception approval uploaded.<br>Reviewer Comment (2024-10-25): Exception remains, after excluding Driveway installment account DTI is still over 50% of guideline ratio and XXXXXXXXXXXXXInstallment account is not present in Final 1003 document, please provide explanation or documentation for XXXXXXXXXXXXXInstallment account.<br>Buyer Comment (2024-10-24): Evidence liabilities excluded are paid in full uploaded. |  |  | XX/XX/XXXX 12:27:05 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000352 |  | 34399637 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Buyer Comment (2024-10-17): Approve |  |  | XX/XX/XXXX 4:32:46 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000352 |  | 34399640 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XXX% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds the guideline maximum of 50%. Final 1008 indicates Driveway was paid in full however there is no evidence in file and debt with Regional not included on the 1003 debt. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Housing Ratio 25% or less.<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-11): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-11): Downgraded to EV2-B based on comp factors approved by X. XXXXX.<br>Buyer Comment (2024-11-26): XXXexception approval uploaded.<br>Reviewer Comment (2024-11-26): PC exception does not include any compensating factors from category A.<br>Reviewer Comment (2024-11-22): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>Buyer Comment (2024-11-08): Post Consummation Exception approval uploaded.<br>Reviewer Comment (2024-10-25): Exception remains, after excluding Driveway installment account DTI is XX.XXX% still over 50% of guideline ratio and XXXXXXXXXXXXXInstallment account is not present in Final 1003 document, please provide explanation or documentation for XXXXXXXXXXXXXInstallment account.<br>Buyer Comment (2024-10-24): Evidence liabilities excluded are paid in full uploaded. |  |  | XX/XX/XXXX 12:25:29 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000324 |  | 34399652 |  | 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 $208.18 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $200 on Loan Estimate but disclosed as $208.18 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:27:28 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000296 |  | 34399678 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Residual income > $2,500.<br>Low housing ratio of 25% or less.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | XX/XX/XXXX 3:14:28 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000284 |  | 34399683 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The most recent valuation inspection is dated prior to the most recent FEMA disaster. Missing disaster inspection, Disaster end date is XX/XX/XXXX. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/X1/24 | SitusAMC,Originator | Reviewer Comment (2024-12-11): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | XX/XX/XXXX 3:40:21 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000284 |  | 34399691 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX.XX.XX<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXXPrior homeownership Experience (No FC or SS)<br>Low housing ratio of 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC,Originator<br>Originator<br>Originator | Reviewer Comment (2025-01-04): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-12-18): Please see Non-Agency Loan Approval attached. File was approved for an UW exception for Rural Property |  |  | XX/XX/XXXX 8:56:39 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000358 |  | 34399XXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Post Disaster Inspection provided prior to end date of the FEMA Disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | SitusAMC,Originator | Reviewer Comment (2024-12-23): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | XX/XX/XXXX 12:41:21 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000358 |  | 34399715 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A minimum of six months has not elapsed since the last mortgage transaction as required by guidelines for a cash out refinance. | Borrower has owned the subject property for at least 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX<br>Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC,Originator<br>Originator<br>Originator | Reviewer Comment (2025-01-24): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-01-13): PC Exception approval uploaded. |  |  | XX/XX/XXXX 9:28:14 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000358 |  | 34399716 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2024-12-27): Approve |  |  | XX/XX/XXXX 6:15:23 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000295 |  | 34399728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | SitusAMC,Originator | Reviewer Comment (2025-01-09): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | XX/XX/XXXX 4:11:26 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000295 |  | 34399731 |  | 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 $144.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | The Loan Estimate issued on XX/XX/XXXX reflects the Credit Report Fee as $100.00. The Closing Disclosure issued on XX/XX/XXXX reflects an increase of the Credit Report fee to $144.00 and a Credit Re-Issue fee of $24.00. The loan file does not contain evidence of a Changed Circumstance for the increase in fees. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-06): SitusAMC received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 3:27:55 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000295 |  | 34399737 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $24.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Estimate issued on XX/XX/XXXX reflects the Credit Report Fee as $100.00. The Closing Disclosure issued on XX/XX/XXXX reflects an increase of the Credit Report fee to $144.00 and a Credit Re-Issue fee of $24.00. The loan file does not contain evidence of a Changed Circumstance for the increase in fees. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-06): SitusAMC received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 3:27:28 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000364 |  | 34399753 |  | 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 $605.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $605.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing, please provide COC for the same. |  |  |  | Reviewer Comment (2025-02-06): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 11:28:21 PM |  | 1 A |  | XX | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000348 |  | 34399759 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural properties are not eligible per guidelines. | 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>Borrower has been employed in the same industry for more than 5 years. | 5+ Years on job | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-05): Lender exception provided.<br>Reviewer Comment (2025-06-30): Borrower has been job 5+ years.<br>Reviewer Comment (2025-06-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-27): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-21): UW exception for rural property uploaded |  |  | XX/XX/XXXX 3:19:15 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000348 |  | 34399762 |  | 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 Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-02-19): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 2:52:49 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000283 |  | 34399778 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 5.66 is less than Guideline PITIA months reserves of 6.00. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous | 5+ years on job.<br>Substantial cash reserves.<br>Potential for increased earnings. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-27): PC Exception approval for reserves slightly less than guideline requirement.<br>Reviewer Comment (2025-05-15): Exception Remains - The received document for hazard document is Hazard insurance police. Provide Hazard insurance payment invoice/receipt.<br>Buyer Comment (2025-05-14): Appraisal and hazard invoices showing POC uploaded.<br>Reviewer Comment (2025-05-09): Lender credits of XXXX has already been included in the calculations. Missing supporting documentation for POC paid by borrower for Appraisal $XXXX and Homeowner's insurance $XXXX.<br>Buyer Comment (2025-05-07): Please note, final SS reflects a lender credit of $XXXX which includes the hazard premium paid by the lender. Borrower now has sufficient reserves as the hazard premium POC was paid by the lender.<br>Reviewer Comment (2025-04-07): Calculation of Cash from borrower requirement of $XXX and total assets of $XXX includes EMD, gift funds and seller credits. The remaining amount is $XXX which is 5.66 months of reserves, however, required reserves of 6 months.<br>Buyer Comment (2025-04-02): Reviewer is not taking into account verified $XXXX EMD, $XXXX gift funds wired directly into escrow, seller credits of $XXXX and $XXXX.<br>Reviewer Comment (2025-04-02): Exception Remains - On the loan as per system calculation cash from borrower requirement is $XXX and we have total assets of $XXX the remaining amount is $XXX which is 5.66 months of reserve, However required reserve is 6 months. Provide the additional assets to meet the reserve requirement.<br>Buyer Comment (2025-04-01): Final SS and Consummation CD reflecting CTC $XXXX; Verified assets $XXXX. Reserves $XXXX (9 months reserves). |  |  | XX/XX/XXXX 3:20:58 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000283 |  | 34399781 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous | 5+ years on job.<br>Substantial cash reserves.<br>Potential for increased earnings. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-27): PC Exception approval for reserves slightly less than guideline requirement.<br>Reviewer Comment (2025-05-15): Exception Remains - The received document for hazard document is Hazard insurance police. Provide Hazard insurance payment invoice/receipt.<br>Buyer Comment (2025-05-14): Appraisal and hazard invoices showing POC uploaded.<br>Reviewer Comment (2025-05-09): Lender credits of $XXXX has already been included in the calculations. Missing supporting documentation for POC paid by borrower for Appraisal $XXXX and Homeowner's insurance $XXXX.<br>Buyer Comment (2025-05-07): Please note, final SS reflects a lender credit of $XXXX which includes the hazard premium paid by the lender. Borrower now has sufficient reserves as the hazard premium POC was paid by the lender.<br>Reviewer Comment (2025-04-07): Calculation of Cash from borrower requirement of $XXX and total assets of $XXX includes EMD, gift funds and seller credits. The remaining amount is $XXX which is 5.66 months of reserves, however, required reserves of 6 months.<br>Buyer Comment (2025-04-02): Reviewer is not taking into account verified $XXXX EMD, $XXXX gift funds wired directly into escrow, seller credits of $XXXX and $XXXX.<br>Reviewer Comment (2025-04-02): Exception Remains - On the loan as per system calculation cash from borrower requirement is $XXX and we have total assets of $XXX the remaining amount is $XXX which is 5.66 months of reserve, However required reserve is 6 months. Provide the additional assets to meet the reserve requirement.<br>Buyer Comment (2025-04-01): Final SS and Consummation CD reflecting CTC $XXXX; Verified assets $XXXX. Reserves $XXXX (9 months reserves). |  |  | XX/XX/XXXX 3:21:14 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000370 |  | 34399XXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-05-02): Approve |  |  | XX/XX/XXXX 12:00:16 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000347 |  | 34399835 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | File is missing assets to cover required reserves of 6 months. | 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>Miscellaneous | 5+ years on job.<br>Excellent credit management with FICO 720+.<br>Total monthly savings of at least $1 to $499 per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-18): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:59:20 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000347 |  | 34399842 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XX.XX% exceeds guideline maximum of 43%. | 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>Miscellaneous<br>Miscellaneous | 5+ years on job.<br>Excellent credit management with FICO 720+.<br>Total monthly savings of at least $1 to $499 per month.<br>Total monthly payment savings of at least $1 to $499 per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-22): Lender exception with compensating factors. |  |  | XX/XX/XXXX 7:40:52 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000347 |  | 34399844 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DTI of XX.XX% exceeds guideline maximum of 43%. | 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>Miscellaneous<br>Miscellaneous | 5+ years on job.<br>Excellent credit management with FICO 720+.<br>Total monthly savings of at least $1 to $499 per month.<br>Total monthly payment savings of at least $1 to $499 per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-22): Lender exception with compensating factors. |  |  | XX/XX/XXXX 7:41:06 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000347 |  | 34399845 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of XX.XX% exceeds guideline maximum of 43%. | 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>Miscellaneous<br>Miscellaneous | 5+ years on job.<br>Excellent credit management with FICO 720+.<br>Total monthly savings of at least $1 to $499 per month.<br>Total monthly payment savings of at least $1 to $499 per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-22): Lender exception with compensating factors. |  |  | XX/XX/XXXX 7:41:17 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000186 |  | 34399851 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $836.82 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). | Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $254,006.03. There is a variance of $1,002.77. |  |  |  | Reviewer Comment (2025-05-01): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-04-30): PCCD, cure check and proof of delivery uploaded. |  | XX/XX/XXXX 10:39:44 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000186 |  | 34399852 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $836.82 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). | Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $569,871.91. There is a variance of $1,002.77. |  |  |  | Reviewer Comment (2025-05-01): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-04-30): PCCD, cure check and proof of delivery uploaded. |  | XX/XX/XXXX 10:40:06 AM |  | 2 B |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000186 |  | 34399854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $112.50 exceeds tolerance of $105.25. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 9:34:42 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000282 |  | 34399863 |  | 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. | FACTA credit score disclosure was providedXX/XX/XXXXhich was the closing date. |  |  |  | Buyer Comment (2025-04-24): Approve |  |  | XX/XX/XXXX 1:36:25 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000281 |  | 34399873 |  | 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 $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 12:58:33 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000369 |  | 34399881 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  | Buyer Comment (2025-05-02): accept grade 2<br>Reviewer Comment (2025-05-01): Missing acknowledgement of receipt of the appraisal 3 business days prior/at closing by borrower.<br>Buyer Comment (2025-04-29): appraisal report delivery to borrower |  |  | XX/XX/XXXX 12:16:52 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000369 |  | 34399886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX.XX%moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI higher, captured income and expenses as per documents | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO 720+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-04-22): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 1:46:30 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000369 |  | 34399887 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI higher, captured income and expenses as per documents | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO 720+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-04-22): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 1:45:11 PM | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000220 |  | 34399922 |  | 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 $163.25 exceeds tolerance of $135.00. Insufficient or no cure was provided to the borrower. | Fee Amount of $163.25 exceeds tolerance of $135.00. No COC in file. |  |  |  | Reviewer Comment (2025-04-25): SitusAMC received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-23): PCCD and payment history reflecting PR uploaded. |  | XX/XX/XXXX 1:11:41 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000220 |  | 34399923 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | A Survey Fee in the Amount of $475.00 was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-09): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-08): PCCD, LOE and payment history reflecting PR uploaded.<br>Reviewer Comment (2025-04-25): SitusAMC is unable to determine from the file whether the lender or title company required the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-04-23): Please note, Survey fee is in section C and subject to no tolerance. No cure required. |  | XX/XX/XXXX 6:04:51 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000279 |  | 34399931 |  | 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 - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-08): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-05-07): PCCD, LOE and payment history reflecting PR uploaded. |  | XX/XX/XXXX 1:21:52 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000250 |  | 34399942 |  | 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 $166.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was disclosed on initial Loan estimate as $125 but disclosed but final Closing Disclosure $166. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:47:56 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000321 |  | 34399953 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The max LTV for a cash out refinance of an investment property, alt doc is 65.00%. | 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>Miscellaneous | Residual income is greater than $2,500.00.<br>Low housing ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-30): ltv approval |  |  | XX/XX/XXXX 1:22:11 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 200000321 |  | 34399954 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The max CLTV for a cash out refinance of an investment property, alt doc is 65.00%. | 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>Miscellaneous | Residual income is greater than $2,500.00.<br>Low housing ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-30): ltv approval |  |  | XX/XX/XXXX 1:22:24 PM | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 200000262 |  | 34399983 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Residual income >$2,500.00.<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Low housing ratio of 25% or less.<br>Low default risk with equity, LTV 10% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:57:42 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000262 |  | 34399984 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable housing history, guidelines require cancelled checks or bank statements for rent paid to an individual. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Residual income >$2,500.00.<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Low housing ratio of 25% or less.<br>Low default risk with equity, LTV 10% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:57:59 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000219 |  | 34399994 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $70.00 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). | Closing Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX. Variance = $70. |  |  |  | Reviewer Comment (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that is a finance charge that was not included in finance charge calculation on the Final CD at consummation and increased over tolerance. Finance charge was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-05-01): PC CD uploaded |  | XX/XX/XXXX 10:45:53 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000219 |  | 34399995 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $70.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). | Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $70. |  |  |  | Reviewer Comment (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-06-05): PC CD, LOE, check, and proof of delivery uploaded.<br>Buyer Comment (2025-06-05): NORTC Cover Letter, Signed NORTC for all consumers, and proof of NORTC delivery uploaded<br>Reviewer Comment (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that is a finance charge that was not included in finance charge calculation on the Final CD at consummation and increased over tolerance. Finance charge was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-05-01): PC CD uploaded |  | XX/XX/XXXX 10:44:45 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000219 |  | 34399996 |  | 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/XXXX 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/XXXX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $70.00 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. | Closing Disclosure reflects Total of Payments of $XXX but calculated Finance Charge of $XXX. Variance = $35. |  |  |  | Reviewer Comment (2025-06-06): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-06-05): NORTC Cover Letter, Signed NORTC for all consumers, and proof of NORTC delivery uploaded<br>Buyer Comment (2025-06-05): PC CD, LOE, check, and proof of delivery uploaded.<br>Reviewer Comment (2025-05-02): SitusAMC received Corrected CD. However, the issue relates to the fee added post close that was not included in TOP calculation on the Final CD at consummation and increased over tolerance. TOP was underdisclosed by $70 which relates to the added Title-Wire fee of $70. Cure to borrower with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $70, proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-05-01): PC CD uploaded |  | XX/XX/XXXX 10:45:22 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | No |
| XXXX | XXXX | 200000231 |  | 34400036 |  | 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. |  |  |  | Buyer Comment (2025-05-06): Disclosures sent 3/18, please waive |  |  | XX/XX/XXXX 2:26:43 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000231 |  | 34400037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-22): SitusAMC received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-21): Updated PC, LOE, and payment history uploaded.<br>Reviewer Comment (2025-05-07): SitusAMC received rebuttal comment, The credit report fee disclosed on LEs $125 is reduced to $72.00 on CD dated XXXX. On cd dated XXXX the credit report fee of $31.25 paid to Factual Data was added without any valid COC. Both the credit reports fee paid to different parties and charged separately on final CD. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure will be required.<br>Buyer Comment (2025-05-06): Fees listed are Credit Report Fee, not re-issue fee. Credit report fee on initial LE was $125 and the credit report fees on consummation CD total $103.25. There is no re-issue fee. |  | XX/XX/XXXX 6:37:57 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000231 |  | 34400039 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-05-12): Accept<br>Reviewer Comment (2025-05-08): Missing evidence from the trailing documents that the appraisal was emailed to the borrower.<br>Buyer Comment (2025-05-06): evidence of emails to XXXX to mail copies of each appraisal to borrower. |  |  | XX/XX/XXXX 3:03:00 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000253 |  | 34400053 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:07:21 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000224 |  | 34400059 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower does not meet the reserve requirements. (Guideline require 6 months borrower has verified 3 months) | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Residual income is greater than $2,500.00.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO 720+.<br>Low default risk with equity, LTV 10% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 11:58:17 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000224 |  | 34400063 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive overdrafts (Guidelines allow for 3, borrower has 13) | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Residual income is greater than $2,500.00.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO 720+.<br>Low default risk with equity, LTV 10% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 11:58:29 AM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000359 |  | 34400076 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  |  | Reviewer Comment (2025-05-30): SitusAMC received LOE, copy of refund check and proof of delivery.<br>Buyer Comment (2025-05-27): proof of delivery<br>Buyer Comment (2025-05-27): PC CD with cover letter and cure check for second appraisal uploaded.<br>Reviewer Comment (2025-05-15): Borrower was improperly charged for second appraisal.Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter)<br>Buyer Comment (2025-05-13): Based on TILA HPML Appraisal Rule, if the seller resells the property within 91-180 of acquiring it, and the resale price exceeds the seller's acquisition price by more than 20%, an additional appraisal is required. The seller acquired the property XX/XX/XXXXnd sold it to the borrower onXX/XX/XXXX175 days). The seller acquired the property for$XXX,XXX and sold it for $XXX,XXX, a 26% increase. Based on these facts, the two appraisals are valid. |  | XX/XX/XXXX 11:01:48 AM |  | 2 B |  | XX | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000359 |  | 34400078 |  | 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 Electronic Document Delivery Fee. Fee Amount of $42.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Electronic document delivery fee of $42.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-05-15): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-13): PC CD and payment history uploaded |  | XX/XX/XXXX 1:25:55 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000359 |  | 34400079 |  | 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 Electronic Document Delivery Fee. Fee Amount of $42.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 2:05:42 PM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000340 |  | 34400097 |  | 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 $395.90 exceeds tolerance of $220.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $395.90 exceeds tolerance of $220.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-19): SitusAMC received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-05-15): initial cure and pccd with cover letter |  | XX/XX/XXXX 1:07:26 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000340 |  | 34400098 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,396.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,396.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-28): SitusAMC Received Letter of Explanation, payment history and Corrected CD.<br>Buyer Comment (2025-05-27): pccd with cover letter and principal reduction applied |  | XX/XX/XXXX 5:36:29 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000252 |  | 34400131 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount less than the guideline minimum of $100,000. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Residual income is greater than $2,500.00.<br>Substantial cash reserves.<br>Low default risk with equity, LTV 10% lower than matrix.<br>Low housing ratio 25% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-12): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 12:12:52 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000252 |  | 34400132 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash-out refinance on a land contract. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Residual income is greater than $2,500.00.<br>Substantial cash reserves.<br>Low default risk with equity, LTV 10% lower than matrix.<br>Low housing ratio 25% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-12): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 12:13:04 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000252 |  | 34400133 |  | 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 $213.25 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-05-15): SitusAMC received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-14): PC CD and payment history for cure uploaded. |  | XX/XX/XXXX 4:45:12 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000252 |  | 34400134 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $213.25 exceeds tolerance of $182.00. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 4:46:01 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000244 |  | 34400141 |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | Subject property does not meet the minimum square footage(Minimum square foot is 600sq ft, actual is 516 sq ft). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $2,500.00.<br>Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 2:48:36 PM | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000244 |  | 34400142 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable Condo(Guidelines require full project approval on all condos). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $2,500.00.<br>Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 2:48:47 PM | 2 B |  | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000316 |  | 34400161 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive NSF's (Guidelines allow for 3, actual overdrafts is 40). | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Residual income > $2,500.00.<br>Low default risk with equity, LTV 10% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-05): Lender exception with compensating factors. |  |  | XX/XX/XXXX 4:18:43 PM | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000346 |  | 34400188 |  | 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 $2,049.26 exceeds tolerance of $1,755.00 plus 10% or $1,930.50. Insufficient or no cure was provided to the borrower. | Total amount of $2,049.26 exceeds tolerance of r $1,930.50. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-06-04): Please see PCCD & Pymt history showing an additional cure for the amount of $12.00. Lender credit for $106.76 plus cure of $12.00 gives the total cure requested for the amount of $118.76, due to increase in settlement charges.<br>Reviewer Comment (2025-06-03): SitusAMC Received Corrected PCCD, Letter of Explanation and Payment history; however, Payment history shows principal reduction as $12; however, PCCD shows principal reduction as $118.76. Provide Corrected PCCD showing principal reduction as $12.<br>Buyer Comment (2025-06-02): updated cure with cd and cover letter uploaded<br>Reviewer Comment (2025-05-23): SitusAMC received rebuttal comment. The required cure for 10% tolerance is $118.76, cure provided at closing is $106.76 cure provided post close is $4.30. Total cure provided till date is $111.06. Pending amount to cure is 118.76-111.06 = $7.70.<br>Buyer Comment (2025-05-22): please clarify amount due for cure, $106.76 processed at closing and $4.30 post-closing. COC for endorsement increase to $341 on 02/26 provided, additional increase 02/28 to $346 reported. Appears cure needed is $5.50, please confirm<br>Reviewer Comment (2025-05-21): SitusAMC received Verified Changed Circumstance for increase in endorsement fee. A Verified Changed Circumstance (VCC) was provide stating the endorsement fee was increased to $346.25. This is an increase of only 5.56%% from the baseline amount. In order to re-baseline the 10% fees there needs to be an aggregate increase of more than 10%. Provide a Corrected CD disclosing the tolerance cure of $12.00 a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Buyer Comment (2025-05-20): COC for endorsement fee<br>Buyer Comment (2025-05-20): credit for charges applied at closing and pccd with cover letter and pr applied |  | XX/XX/XXXX 11:53:43 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000204 |  | 34400228 |  | 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 $3,092.19 exceeds tolerance of $2,741.00 plus 10% or $3,015.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:54:06 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000204 |  | 34400229 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $62.50 exceeds tolerance of $31.25. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 7:54:06 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000232 |  | 34400236 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,695.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee Amount of $1,695.00 exceeds tolerance of $0.00. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-05-28): SitusAMC Received PCCD, LOE and Payment history.<br>Buyer Comment (2025-05-27): cure with pccd and cover letter |  | XX/XX/XXXX 7:11:36 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000268 |  | 34400240 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 5.88 is less than Guideline PITIA months reserves of 6.00. | Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-19): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-05-19): Exception sent to upper management for review to see if comp factors sufficient to clear exception. |  |  | XX/XX/XXXX 2:47:01 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000268 |  | 34400243 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Investor qualifying disposable income of $2,239.51 is less than AUS required disposable income of $2,500.00. | Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-19): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 2:47:51 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000268 |  | 34400245 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves and residual income | Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-19): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX 2:48:06 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000193 |  | 34400264 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Projected Payments: Homeowner's insurance disclosed as not escrowed on Final Closing Disclosure. |  |  |  | Buyer Comment (2025-06-02): .<br>Reviewer Comment (2025-05-30): Regraded to EV2-B as the Flood Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners insurance, but instead was disclosed under other.<br>Buyer Comment (2025-05-29): The closing disclosure is correct, the only item included in escrow is the $122.24 monthly flood insurance. This was disclosed as "Other" on the final CD. |  |  | XX/XX/XXXX 3:40:11 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 200000193 |  | 34400267 |  | 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). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date. |  |  |  | Reviewer Comment (2025-06-26): Cure documentation received.<br>Buyer Comment (2025-06-24): The letter of explanation was attached, it's on page 159 of Acuity and specifically addresses the documentation error in the first paragraph. Proof of delivery attached.<br>Reviewer Comment (2025-06-24): Missing Letter of Explanation and Proof of Delivery.<br>Buyer Comment (2025-06-20): Re-executed NORTC attached. |  | XX/XX/XXXX 10:48:00 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 200000193 |  | 34400269 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report re-Issue. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-23): Situsamc Received Corrected PCCD, LOE and payment history.<br>Buyer Comment (2025-06-20): Complete cure attached. |  | XX/XX/XXXX 6:06:09 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000193 |  | 34400270 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Escrowed property costs over Year 1 reflected as $1.222.40 on final CD , however actual payment is 122.40 x 12 = $1,466.88 |  |  |  | Reviewer Comment (2025-06-23): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-20): See CD attached to finding XXXX, escrow corrected. |  | XX/XX/XXXX 1:33:46 PM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| XXXX | XXXX | 200000202 |  | 34400280 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 8.14486% or Final Disclosure APR of 8.16900% is equal to or greater than the threshold of APOR 6.66% + 1.5%, or 8.16000% Compliant Higher Priced Loan. | Loan: APR on subject loan of 8.14486% or Final Disclosure APR of 8.16900% is equal to or greater than the threshold of APOR 6.66% + 1.5%, or 8.16000% |  |  |  | Buyer Comment (2025-06-03): Accepted |  |  | XX/XX/XXXX 12:46:54 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000317 |  | 34400286 |  | 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 $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Insufficient curewas provided to the borrower. |  |  |  | Reviewer Comment (2025-05-29): SitusAMC received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-05-27): cure and pccd with cover letter |  | XX/XX/XXXX 1:45:07 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000317 |  | 34400287 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $524.00 plus 10% or $576.40. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 3:49:10 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000201 |  | 34400293 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-05-27): Approve |  |  | XX/XX/XXXX 10:20:11 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000192 |  | 34400296 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $62.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:57:40 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000235 |  | 34400302 |  | 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 $278.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $278.00 exceeds tolerance of $100.00 without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-04): SitusAMC received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-06-03): cure applied at closing for increased fee |  | XX/XX/XXXX 7:03:11 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000235 |  | 34400304 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $55.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 7:03:54 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000235 |  | 34400305 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $278.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 7:03:54 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000238 |  | 34400324 |  | 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 $177.75 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. |  |  |  | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 4:02:14 PM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 200000330 |  | 34400329 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Residual not met. Guideline requires minimum $2500 residual income. Borrower residual is $XXX. Short $XXX. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Low default risk with substantial equity, LTV 25% lower than matrix.<br>Total monthly payment savings of at least $1 to $499 per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors. |  |  | XX/XX/XXXX 10:08:04 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000330 |  | 34400331 |  | 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 $1,911.75 exceeds tolerance of $1,440.75 plus 10% or $1,584.83. Insufficient or no cure was provided to the borrower. | Ten percent fee tolerance in the amount of $1,911.75 exceeds tolerance of $1,584.83. Insufficient or no cure was provided to the borrower at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-06-04): SitusAMC Received Corrected PCCD, LOE and Payment History.<br>Buyer Comment (2025-06-03): Please see PCCD & Pymt History showing a cure for the amount of $386.33 more than enough to cure for exceeding settlement charges for more than 10% |  | XX/XX/XXXX 6:57:11 AM |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000330 |  | 34400332 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,911.75 exceeds tolerance of $1,440.75 plus 10% or $1,584.83. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 6:56:06 AM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000206 |  | 34400337 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Credit report Fee was disclosed on initial Loan estimate as $0 but disclosed but final Closing Disclosure $31.25. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-06-04): Situsamc Received Corrected PCCD, LEO and Payment history<br>Buyer Comment (2025-06-03): Please see PCCD & pymt history attached showing a cure for the amount of $31.25 due to increase in credit report fee. |  | XX/XX/XXXX 7:03:59 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000206 |  | 34400338 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $31.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 7:02:34 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000237 |  | 34400341 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-06-10): Client accepts EV2.<br>Buyer Comment (2025-06-06): Initial appraisal and proof of delivery uploaded. Appraisal referenced by reviewer is a revised appraisal that value was not affected. Please downgrade and waive. |  |  | XX/XX/XXXX 12:15:28 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000237 |  | 34400346 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-10): Client accepts EV2.<br>Buyer Comment (2025-06-06): Initial appraisal and proof of delivery uploaded. Appraisal referenced by reviewer is a revised appraisal that value was not affected. Please downgrade and waive. |  |  | XX/XX/XXXX 12:15:19 PM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000237 |  | 34400350 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-16): Waived per client request. |  |  | XX/XX/XXXX 8:49:48 AM | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000189 |  | 34400363 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was last disclosed as $0 on Loan Estimate but disclosed as $30 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-04): SitusAMC Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-06-03): cure with pccd and cover letter uploaded |  | XX/XX/XXXX 7:15:07 AM |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000189 |  | 34400364 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX 7:12:07 AM |  | 1 A |  | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | No |
| XXXX | XXXX | 200000270 |  | 34400367 |  | 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 $575.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 5:17:04 PM |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |

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## Exhibit 99.1

**Valuation Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 200000388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000394 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 200000396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | XXXX | 200000397 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| XXXX | XXXX | 200000398 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 200000400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.370% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000401 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| XXXX | XXXX | 200000402 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 200000403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000404 |  |  |  |  |  |  |  | 1.430% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 200000407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| XXXX | XXXX | 200000408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | 200000409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 200000413 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | 200000414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 200000415 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | 200000418 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| XXXX | XXXX | 200000419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 200000420 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 200000424 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.150% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000427 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 200000428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 200000435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000438 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | XXXX | 200000439 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000440 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | 200000441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 200000442 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 200000443 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 200000444 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| XXXX | XXXX | 200000445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXXX | XXXX | 200000446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| XXXX | XXXX | 200000448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | 200000449 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| XXXX | XXXX | 200000451 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000453 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000454 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000456 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 200000458 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000460 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000461 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.650% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 200000462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| XXXX | XXXX | 200000466 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | 200000467 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000471 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000472 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| XXXX | XXXX | 200000473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000475 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | 200000476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000478 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| XXXX | XXXX | 200000480 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000484 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000488 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000489 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 200000494 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000496 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 200000497 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | 200000377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 200000378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 200000308 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX | XXXX | 200000275 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
| XXXX | XXXX | 200000353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000307 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000338 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 200000297 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 200000293 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.050% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000452 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| XXXX | XXXX | 200000457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000464 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000622 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX | XXXX | 200000624 |  |  |  |  |  |  |  | 4.060% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| XXXX | XXXX | 200000490 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| XXXX | XXXX | 200000627 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 200000628 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| XXXX | XXXX | 200000498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 200000502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | 200000503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 200000505 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000625 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| XXXX | XXXX | 200000507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000326 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| XXXX | XXXX | 200000325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | 200000266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | 200000300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| XXXX | XXXX | 200000355 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | XXXX | 200000276 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| XXXX | XXXX | 200000349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000365 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 200000324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000298 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | 200000296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XXXX | XXXX | 200000284 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 200000358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000295 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| XXXX | XXXX | 200000274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| XXXX | XXXX | 200000364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | 200000348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX | XXXX | 200000371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| XXXX | XXXX | 200000283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | 200000347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| XXXX | XXXX | 200000186 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 200000281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX | XXXX | 200000369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | 200000322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| XXXX | XXXX | 200000301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000220 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000357 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| XXXX | XXXX | 200000250 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000249 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| XXXX | XXXX | 200000262 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.90 |
| XXXX | XXXX | 200000219 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | 200000251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000341 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000311 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000242 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 |
| XXXX | XXXX | 200000231 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| XXXX | XXXX | 200000216 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 200000253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX | XXXX | 200000224 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| XXXX | XXXX | 200000240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| XXXX | XXXX | 200000359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 200000339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | 200000318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| XXXX | XXXX | 200000271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | XXXX | 200000252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 200000244 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000315 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX | XXXX | 200000222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXXX | XXXX | 200000217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | XXXX | 200000210 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000211 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 200000346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | XXXX | 200000214 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 200000199 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| XXXX | XXXX | 200000361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 200000195 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000204 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | 200000232 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | 200000268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.70 |
| XXXX | XXXX | 200000213 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 200000194 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| XXXX | XXXX | 200000193 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| XXXX | XXXX | 200000236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX | XXXX | 200000289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| XXXX | XXXX | 200000202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| XXXX | XXXX | 200000317 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| XXXX | XXXX | 200000201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXXX | XXXX | 200000192 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| XXXX | XXXX | 200000180 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000235 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 200000288 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 200000327 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.80 |
| XXXX | XXXX | 200000238 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000330 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX | XXXX | 200000206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXXX | XXXX | 200000237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 200000372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | 200000310 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX | XXXX | 200000309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 200000189 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | 200000270 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| XXXX | XXXX | 200000203 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |

---

## Exhibit 99.1

---

| |
|:---|
| ![](situsamc.jpg) |
| **Data Compare (Non-Ignored)** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 200000388 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000388 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000388 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000388 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000388 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000388 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000388 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000388 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000388 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000388 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000388 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000388 |  |  | Cash From Borrower |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | PITIA Reserves Months | XX | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000388 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000389 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000389 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000389 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000389 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000389 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000389 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000389 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000389 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000389 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000389 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000389 |  |  | Cash From Borrower |  | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Total Income |  | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Escrow Account | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | PITIA Reserves Months | X | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000389 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000391 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000391 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000391 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000391 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000391 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000391 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000391 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000391 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000391 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000391 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000391 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000391 |  |  | Cash From Borrower |  | XXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Total Income |  | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| XXXX | XXXX | 200000391 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | PITIA Reserves Months | XX | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Loan Property Count | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000391 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000392 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000392 |  |  | Coborrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000392 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000392 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000392 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000392 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000392 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000392 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000392 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000392 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000392 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000392 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000392 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000392 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000392 |  |  | Cash From Borrower |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Total Income |  | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | 200000392 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | PITIA Reserves Months | X | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000392 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000395 |  |  | Contract Sales Price | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000396 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000396 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000396 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000396 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000396 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000396 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000396 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000396 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000396 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000396 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000396 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000396 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000396 |  |  | Total Income |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000396 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000396 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000396 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000397 |  |  | Borrower First Name | XXXXXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000397 |  |  | Borrower Last Name | XXXXXXXXX | XXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000397 |  |  | Note Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Amortization Term |  | XXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Original P&I | XXXXXXXXXXXXXXXXX | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000397 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000397 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Interest Only |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Cash To Borrower | XXXXXXXXXXXXXXXXX | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000397 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Total Income |  | XXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Original HLTV |  | XX.XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Borrower Citizenship | XXXXXXXXXXXXXXXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Last Property Transfer Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000397 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000397 |  |  | Borrower EIN |  | XXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000401 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000401 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000401 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000401 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000401 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000401 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000401 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000401 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000401 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000401 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000401 |  |  | Cash From Borrower |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000401 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000403 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000404 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000404 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000404 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | 200000407 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000407 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000407 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000407 |  |  | Coborrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000407 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000407 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000407 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000407 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000407 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000407 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000407 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000407 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000407 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000407 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000407 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000407 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000407 |  |  | Cash From Borrower |  | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | Total Income |  | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000407 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Borrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000408 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000408 |  |  | Coborrower SSN |  | XX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000408 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000408 |  |  | Original Loan Amount | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 200000408 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000408 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000408 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000408 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000408 |  |  | Interest Only |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000408 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000408 |  |  | Contract Sales Price | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000408 |  |  | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000408 |  |  | Original LTV | XX | XX | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000408 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000408 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000408 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000408 |  |  | Cash From Borrower |  | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | PITIA Reserves Months | X | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000408 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000409 |  |  | Coborrower Last Name | XXXXXXX | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000409 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000410 |  |  | Borrower Last Name | XXXXXXXXX | XXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000412 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000418 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000418 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000418 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000418 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000418 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000418 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000418 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000418 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000418 |  |  | Interest Only |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000418 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000418 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000418 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000418 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000418 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000418 |  |  | Cash From Borrower |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Correctly updated |
| XXXX | XXXX | 200000418 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | PITIA Reserves Months | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000418 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000425 |  |  | Representative FICO | XXX | XXX | Verified | Highest mid FICO per guides |
| XXXX | XXXX | 200000425 |  |  | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000435 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000438 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000438 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000438 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000438 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000438 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000438 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000438 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000438 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000438 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000438 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000438 |  |  | Cash From Borrower |  | XXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Total Income |  | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | PITIA Reserves Months | XX | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000438 |  |  | Blanket Mortgage? | XXXXXXXXXXXXXXXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000439 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000440 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000440 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000440 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000440 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000440 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000440 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000440 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000440 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000440 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000440 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000440 |  |  | Cash From Borrower |  | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | Total Income |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000440 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000445 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000445 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000445 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000445 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000445 |  |  | Original Interest Rate | X.XX | X.XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 200000445 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000445 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000445 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000445 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000445 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | Total Income |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | Escrow Account | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000445 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000446 |  |  | City | XXXXXXX | XXXXXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000446 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000446 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000446 |  |  | Note Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Amortization Term |  | XXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Original P&I |  | XXXX.XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000446 |  |  | Interest Only |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000446 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000446 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000446 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000446 |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000446 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000446 |  |  | Cash From Borrower |  | XXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Total Income |  | XXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Original HLTV |  | XX.XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000446 |  |  | Borrower Citizenship | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000446 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000446 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000448 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000450 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000450 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000450 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000450 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000450 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000450 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000450 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000450 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000450 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000450 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000450 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | 200000450 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | PITIA Reserves Months | XX | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000450 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000451 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000451 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000451 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000451 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000451 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000451 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000451 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000451 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000451 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000451 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000451 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000451 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Total Income |  | XXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Escrow Account | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000451 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000453 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000453 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000458 |  |  | Zip | XXXXX | XXXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 200000458 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000458 |  |  | Original CLTV |  | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000459 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000459 |  |  | Borrower First Name | XXXXXX.XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000460 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000461 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000461 |  |  | Original CLTV | XX.XX | XX.XX | Verified | Tape Value reflects the higher of multiple Appraisals in file, Field Value reflects the lowest appraised value |
| XXXX | XXXX | 200000461 |  |  | Original LTV | XX | XX | Verified | Tape value reflects the higher of multiple Appraisals in file, Field Value reflects the lowest appraised value |
| XXXX | XXXX | 200000461 |  |  | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000462 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000462 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000462 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000462 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000462 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000462 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000462 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000462 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000462 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000462 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000462 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000462 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000462 |  |  | Cash To Borrower | XXXXXXXX | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000462 |  |  | Original LTV | XX | XX | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000462 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000462 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000462 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000462 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000462 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000462 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000473 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000481 |  |  | Representative FICO | XXX | XXX |  |  |
| XXXX | XXXX | 200000482 |  |  | Borrower First Name | XXXXXX.XX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000482 |  |  | Borrower Last Name | XXXXXXXXX | XXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000482 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000483 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000483 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000488 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000489 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000489 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000489 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000489 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000489 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000489 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000489 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000489 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000489 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000489 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000489 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000489 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000489 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | Total Income |  | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | PITIA Reserves Months | XXX | XXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000489 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000494 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000504 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000504 |  |  | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000376 |  |  | City | XXXXXXX | XXXXXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000376 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000376 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000376 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000376 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000376 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000376 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000376 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects the Approval/AUS in file. |
| XXXX | XXXX | 200000376 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000376 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000376 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects Approval/AUS value |
| XXXX | XXXX | 200000376 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000376 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000376 |  |  | Cash From Borrower |  | XXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Total Income |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000376 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000377 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000377 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000377 |  |  | Original Loan Amount | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 200000377 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000377 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000377 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000377 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000377 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000377 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000377 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000377 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000377 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000377 |  |  | Cash From Borrower |  | XXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Total Income |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Last Property Transfer Date |  | XXXX-XX-XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000377 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000378 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000379 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000308 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000308 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000285 |  |  | Originator Loan Designation | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | 1003 is noted as Non QM |
| XXXX | XXXX | 200000338 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000293 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000452 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000452 |  |  | City | XXXXXXX | XXXXXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000452 |  |  | Original Interest Rate | X.XX | X.XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 200000452 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000452 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000452 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000452 |  |  | Original HLTV |  | XX.XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000452 |  |  | PITIA Reserves Months | X | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000452 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000457 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000457 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000457 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000457 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000457 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000457 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000457 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000457 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000457 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000457 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000457 |  |  | Cash From Borrower |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Total Income |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000457 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | City | XXXXXXX | XXXXXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 200000464 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000464 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000464 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000464 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000464 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000464 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000464 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000464 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000464 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000464 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000464 |  |  | Cash From Borrower |  | XXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000464 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | PITIA Reserves Months | XX | XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000464 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Street | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 200000622 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000622 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000622 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000622 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000622 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000622 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000622 |  |  | Property Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects the Approval/AUS in file. |
| XXXX | XXXX | 200000622 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000622 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| XXXX | XXXX | 200000622 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000622 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000622 |  |  | Cash From Borrower |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000622 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000624 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000624 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000624 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000624 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000624 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000624 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000624 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000624 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000624 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000624 |  |  | Cash From Borrower |  | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Total Income |  | XXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000624 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000624 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000626 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000626 |  |  | Note Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Original P&I | XXXXXXXXXXXXXXXXX | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000626 |  |  | Interest Only |  | 0 | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Cash To Borrower | XXXXX | XXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000626 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000626 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000626 |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000626 |  |  | Total Income |  | XXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Original HLTV |  | XX.XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Escrow Account | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000626 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000626 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Last Property Transfer Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | 200000626 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000627 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000627 |  |  | Note Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Amortization Term |  | XXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Original P&I |  | XXXX.XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Interest Only |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000627 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000627 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000627 |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000627 |  |  | Cash From Borrower |  | XXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Total Income |  | XXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000627 |  |  | Original HLTV |  | XX.XX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000627 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000627 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000627 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000495 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000495 |  |  | Original CLTV |  | XX.XX | Verified | The bid tape field value was not provided. |
| XXXX | XXXX | 200000628 |  |  | Borrower Last Name | XXXXXXXXX | XXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000628 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000628 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000628 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000628 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000628 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000628 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000628 |  |  | Interest Only |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000628 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000628 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000628 |  |  | Cash To Borrower | XXXXXXXXXXXXXXXXX | XXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000628 |  |  | Original LTV | XX | XX | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | 200000628 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000628 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000628 |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000628 |  |  | Total Income |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000628 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Last Property Transfer Date |  | XXXX-XX-XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000628 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000498 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000501 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000501 |  |  | Original CLTV |  | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000503 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000625 |  |  | Borrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000625 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000625 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000625 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000625 |  |  | Original P&I |  | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000625 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000625 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000625 |  |  | Doc Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000625 |  |  | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 200000625 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000625 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000625 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000625 |  |  | Borrower FTHB | XXXXXXXXXXXXXXXXX | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000625 |  |  | Cash From Borrower |  | XXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000625 |  |  | Total Income |  | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000625 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 200000625 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000625 |  |  | PITIA Reserves Months | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000625 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000506 |  |  | Property Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 200000506 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance Transaction |
| XXXX | XXXX | 200000623 |  |  | Borrower First Name | XXXXXX.XX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000623 |  |  | Borrower Last Name | XXXXXXXXX | XXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 200000623 |  |  | Coborrower First Name | XXXXXXX | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000623 |  |  | Coborrower Last Name |  | XXXXXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | 200000623 |  |  | Coborrower SSN |  | XXX-XX-XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 200000623 |  |  | Note Date |  | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 200000623 |  |  | First Payment Date |  | XXXX-XX-XX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | 200000623 |  |  | Maturity Date |  | XXXX-XX-XX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | 200000623 |  |  | Original P&I | XXXX.XX | XXXX.XX | Verified | Field Value reflects Note value |
| XXXX | XXXX | 200000623 |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XXXX | XXXX | 200000623 |  |  | Doc Type | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 200000623 |  |  | Cash To Borrower | XXXXXXXXXXXXXXXXX | XXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Appraisal Effective Date |  | XXXX-XX-XX | Verified | Tape Value reflects Appraisal Date |
| XXXX | XXXX | 200000623 |  |  | Product Description | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XXXX | XXXX | 200000623 |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | 200000623 |  |  | Total Income |  | XXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Original HLTV |  | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | PITIA Reserves Months | X | X | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Borrower Citizenship | XXXXXXXXXXXXXXXXX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Universal Loan Identifier (ULI) |  | XXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Last Property Transfer Date |  | XXXX-XX-XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Appraisal As-Is Value | XXXXXX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 200000623 |  |  | Borrower EIN |  | XXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000507 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000507 |  |  | Original CLTV |  | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 200000326 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000266 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000266 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000300 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000300 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000365 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000365 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000298 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000344 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000295 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | The Borrower is receiving cash at close. |
| XXXX | XXXX | 200000364 |  |  | Purpose |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | 200000364 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000364 |  |  | Refi Purpose |  | XXXXXXXXXXXXXXXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 200000371 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000347 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000249 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Additional debt paid at closing and LOX states home renovation with new central heat air unit |
| XXXX | XXXX | 200000321 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000321 |  |  | Originator Loan Designation | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000219 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000219 |  |  | Refi Purpose | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000341 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000311 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000242 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000216 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | refinance |
| XXXX | XXXX | 200000359 |  |  | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000339 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000340 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000373 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000318 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000252 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000315 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000346 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 200000199 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 200000199 |  |  | Amortization Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 200000199 |  |  | Purpose |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | 200000199 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | 200000199 |  |  | Refi Purpose |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | 200000199 |  |  | Interest Rate Life Floor | X.XX | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| XXXX | XXXX | 200000361 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000195 |  |  | Originator Loan Designation | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000268 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance Transaction |
| XXXX | XXXX | 200000193 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XXXX | XXXX | 200000202 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000201 |  |  | Contract Sales Price | XXXXXXXXXXXXXXXXX |  | Verified | Refinance |
| XXXX | XXXX | 200000180 |  |  | Originator Loan Designation | XXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000235 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 200000238 |  |  | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 200000237 |  |  | Amortization Type |  | XXXXXXXXXXXXXXXXX | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 200000237 |  |  | Interest Rate Life Floor | X.XX | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| XXXX | XXXX | 200000203 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |

---

## Exhibit 99.2

**Exhibit 99.2**

![](clarifii_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2025-NQM9**

**By Clarifii LLC on September 18, 2025**

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](clarifii_logo.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 98 loans (the "Loans") and these loans were subsequently acquired by Loan Funding Structure III LLC (the "Client") for the BRAVO 2025-NQM9 transaction. The loans referenced in this Narrative report were reviewed 03/2025 through 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 5 | 5.10% | $3026050.00 |
| Correspondent Flow with Delegated UW | 10 | 10.20% | $7295675.00 |
| Correspondent Flow without Delegated UW | 1 | 1.02% | $790000.00 |
| Wholesale | 82 | 83.67% | $38226632.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

The Review consisted of a population of 98 loans, with an aggregate principal balance of $49,338,357.00.

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

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

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

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](clarifii_logo.jpg)

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| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| DBRS, Inc. | Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Assumable Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Origination Equifax |
| &nbsp;&nbsp;Borrower 2 Origination Experian |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |

---

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](clarifii_logo.jpg)

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

---

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](clarifii_logo.jpg)

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| |
|:---|
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;REO Mortgage Times 30 |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Underwriting Guideline Version Date |
| &nbsp;&nbsp;Undiscounted Rate |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](clarifii_logo.jpg)

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

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● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in loan file

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

● **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

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● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

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– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in
the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies
or debt cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment
penalty that exceeds the state permitted penalty has expired.

● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Clarifii reviewed the loan to determine whether, based on available information in the loan file, (i) the loan contained risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor

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appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| AVM | 0 | 0 | 0 |
| BPO | 0 | 0 | 0 |
| CU or LCA Score <=2.5 | 0 | 0 | 47 |
| Desk Review | 0 | 0 | 50 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 1 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 82 | 83.67% |
| B | 16 | 16.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **98** | **100.00%** |

---

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

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](clarifii_logo.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 95 | 96.94% |
| B | 3 | 3.06% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **98** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 98 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **98** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 85 | 86.73% |
| B | 13 | 13.27% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **98** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| ARM | 2 | 2.04% | $1369000.00 |
| Fixed | 96 | 97.96% | $47969357.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](clarifii_logo.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| Primary Residence | 40 | 40.82% | $29384625.00 |
| Second Home | 1 | 1.02% | $284050.00 |
| Investment | 57 | 58.16% | $19669682.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| Refinance | 33 | 33.67% | $15312850.00 |
| Purchase | 65 | 66.33% | $34025507.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 98 | 100.00% | $49338357.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| 480 | 1 | 1.02% | $320000.00 |
| 360 | 97 | 98.98% | $49018357.00 |
| **Total** | **98** | **100.00%** | **$49338357.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| Amortization Term | 0 | 47 | 100.00% |
| Application Date | 0 | 40 | 100.00% |
| Assumable Flag | 0 | 40 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 40 | 100.00% |
| Borrower 1 Birthdate | 0 | 40 | 100.00% |

---

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 Credit Report Date | 0 | 36 | 100.00% |
| Borrower 1 First Name | 1 | 91 | 98.90% |
| Borrower 1 FTHB | 0 | 40 | 100.00% |
| Borrower 1 Last Name | 0 | 91 | 100.00% |
| Borrower 1 Middle Name | 1 | 1 | 0.00% |
| Borrower 1 Origination Equifax | 0 | 36 | 100.00% |
| Borrower 1 Origination Experian | 0 | 36 | 100.00% |
| Borrower 1 Origination TransUnion | 1 | 36 | 97.22% |
| Borrower 1 Self-Employment Flag | 0 | 6 | 100.00% |
| Borrower 1 SSN | 0 | 47 | 100.00% |
| Borrower 2 Birthdate | 0 | 4 | 100.00% |
| Borrower 2 First Name | 0 | 6 | 100.00% |
| Borrower 2 FTHB | 0 | 11 | 100.00% |
| Borrower 2 Last Name | 0 | 6 | 100.00% |
| Borrower 2 Middle Name | 0 | 1 | 100.00% |
| Borrower 2 Origination Equifax | 0 | 3 | 100.00% |
| Borrower 2 Origination Experian | 0 | 3 | 100.00% |
| Borrower 2 Origination TransUnion | 0 | 3 | 100.00% |
| Borrower 2 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 2 SSN | 0 | 4 | 100.00% |
| Business Entity EIN | 0 | 3 | 100.00% |
| Business Purpose Flag | 0 | 53 | 100.00% |
| Calculated DSCR | 1 | 58 | 98.28% |
| Cash Disbursement Date | 3 | 66 | 95.45% |
| Closing/Settlement Date | 10 | 26 | 61.54% |
| Covered/High Cost Loan Flag | 0 | 5 | 100.00% |
| CU Score | 0 | 36 | 100.00% |
| Final Reviewed QM Status | 1 | 2 | 50.00% |
| First Payment Date | 0 | 79 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 40 | 100.00% |
| Interest Only Flag | 0 | 53 | 100.00% |
| Interest Only Term | 0 | 3 | 100.00% |
| Interest Rate | 1 | 90 | 98.89% |
| Investor Loan ID | 0 | 96 | 100.00% |
| Lender Name | 0 | 40 | 100.00% |
| Lien Position | 0 | 55 | 100.00% |
| Loan Amount | 0 | 93 | 100.00% |
| Loan ID | 0 | 98 | 100.00% |
| Loan Program | 0 | 39 | 100.00% |
| Loan Purpose | 0 | 97 | 100.00% |
| Maturity Date | 0 | 66 | 100.00% |
| MIN No | 0 | 40 | 100.00% |
| Mortgage Insurance Flag | 0 | 40 | 100.00% |
| Mortgage Origination Channel | 0 | 40 | 100.00% |

---

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Note Date | 0 | 79 | 100.00% |
| Number of Borrowers | 0 | 40 | 100.00% |
| Number of Units | 1 | 73 | 98.63% |
| Occupancy | 0 | 97 | 100.00% |
| Origination BK Flag | 0 | 36 | 100.00% |
| Origination Foreclosure Flag | 0 | 36 | 100.00% |
| Prepayment Penalty | 0 | 40 | 100.00% |
| Prepayment Penalty Total Term | 0 | 54 | 100.00% |
| Primary Appraised Property Value | 2 | 88 | 97.73% |
| Property Address | 0 | 90 | 100.00% |
| Property City | 0 | 90 | 100.00% |
| Property County | 0 | 66 | 100.00% |
| Property State | 0 | 90 | 100.00% |
| Property Type | 8 | 97 | 91.75% |
| Property Zip Code | 0 | 90 | 100.00% |
| QM Qualifying Total Debt Income Ratio | 0 | 2 | 100.00% |
| Qualifying All Borrower Residual Income | 0 | 5 | 100.00% |
| Qualifying CLTV | 2 | 97 | 97.94% |
| Qualifying FICO | 0 | 79 | 100.00% |
| Qualifying Housing Debt Income Ratio | 0 | 41 | 100.00% |
| Qualifying Loan Amount | 0 | 4 | 100.00% |
| Qualifying LTV | 2 | 97 | 97.94% |
| Qualifying Total Debt Income Ratio | 2 | 87 | 97.70% |
| REO Mortgage Times 30 | 0 | 21 | 100.00% |
| Sales Price | 0 | 63 | 100.00% |
| Seller Loan ID | 0 | 98 | 100.00% |
| Term | 0 | 55 | 100.00% |
| Underwriting Guideline Name | 0 | 40 | 100.00% |
| Underwriting Guideline Version Date | 14 | 40 | 65.00% |
| Undiscounted Rate | 0 | 2 | 100.00% |
| Verified Doc Type | 1 | 83 | 98.80% |
| Vested Business Entity Name | 0 | 3 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](clarifii_logo.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

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

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

BRAVO 2025-NQM9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** |
| XXXX | 200000744 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/06/2024 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.03 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns <br> Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null <br> 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 01/30/2025 |  |  |  | 777 |
| XXXX | 200000089 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.941 | 0.942 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |
| XXXX | 200000086 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2025 | 31 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2490 | 04/28/2025 | 6.880% |  |  | No | 7.230% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $3930.50 | N/A |  |  | XXXX |  |  | 0.00% | 39.51% | 39.51% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 38 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement - Written VOE Verified, Award Letter Verified - 2025, 2024, 2023 \|\| <br> Co Borrower - Retirement - Award Letter Verified - 2025 - 2025 | Borrower - 2025, 2024, 2023 \|\| Co Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/27/2025 | 03/27/2025 | 03/27/2025 |  |  | 749 |
| XXXX | 200000103 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2025 | 31 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8355 | 04/28/2025 | 6.880% |  |  | No | 7.811% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $4000.04 | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 42.86% | 42.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/15/2025 | 04/15/2025 |  |  |  | 751 |
| XXXX | 200000108 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2025 | 31 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9670 | 04/21/2025 | 6.810% |  |  | No | 7.410% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $4540.96 | N/A |  |  | XXXX |  |  | 0.00% | 42.41% | 42.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 04/14/2025 | 04/14/2025 |  |  |  | 704 |
| XXXX | 200000117 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2025 | 31 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7956.25 | 04/28/2025 | 6.880% |  |  | No | 7.069% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $6708.41 | N/A |  |  | XXXX |  |  | 0.00% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/29/2025 | 04/29/2025 |  |  |  | 770 |
| XXXX | 200000126 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/26/2025 | 31 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7781.68 | 03/24/2025 | 6.660% |  |  | No | 8.013% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $29413.56 | N/A |  |  | XXXX |  |  | 0.00% | 10.27% | 10.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 212 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 669 |
| XXXX | 200000094 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.885 | 0.885 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |
| XXXX | 200000100 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.036 | 1.036 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |
| XXXX | 200000746 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/19/2025 | 04/19/2025 |  |  |  | 772 |
| XXXX | 200000096 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.374 | 1.374 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/07/2025 | 04/07/2025 |  |  |  | 756 |
| XXXX | 200000114 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.269 | 1.268 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/28/2025 | 04/28/2025 |  |  |  | 754 |
| XXXX | 200000118 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 1.196 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/14/2025 | 04/14/2025 |  |  |  | 751 |
| XXXX | 200000105 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.491 | 1.491 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/02/2025 | 04/02/2025 |  |  |  | 787 |
| XXXX | 200000095 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.853 | 0.853 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/27/2025 | 03/27/2025 |  |  |  | 761 |
| XXXX | 200000097 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.129 | 1.129 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/09/2025 | 04/09/2025 |  |  |  | 778 |
| XXXX | 200000102 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.478 | 1.478 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/14/2025 | 04/14/2025 |  |  |  | 765 |
| XXXX | 200000092 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.367 | 1.367 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/31/2025 | 03/31/2025 |  |  |  | 723 |
| XXXX | 200000093 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.156 | 1.156 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/07/2025 | 04/07/2025 |  |  |  | 702 |
| XXXX | 200000098 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.371 | 1.371 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/11/2025 | 04/11/2025 |  |  |  | 757 |
| XXXX | 200000104 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Not Stated Not Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - N/A | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |
| XXXX | 200000113 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.048 | 1.048 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/25/2025 | 04/25/2025 |  |  |  | 793 |
| XXXX | 200000116 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.191 | 1.191 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/10/2025 | 04/10/2025 |  |  |  | 692 |
| XXXX | 200000110 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.214 | 1.214 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/28/2025 | 04/28/2025 |  |  |  | 779 |
| XXXX | 200000619 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.305 | 1.305 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/23/2025 | 04/23/2025 |  |  |  | 765 |
| XXXX | 200000087 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.51 | 1.51 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/23/2025 | 04/23/2025 |  |  |  | 778 |
| XXXX | 200000090 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.372 | 1.372 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/18/2025 | 03/18/2025 |  |  |  | 808 |
| XXXX | 200000115 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.182 | 1.182 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/24/2025 | 03/24/2025 |  |  |  | 717 |
| XXXX | 200000120 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.219 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/03/2025 | 05/03/2025 |  |  |  | 704 |
| XXXX | 200000091 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.388 | 1.388 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 02/27/2025 | 02/27/2025 | 04/23/2025 |  |  | 703 |
| XXXX | 200000107 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.016 | 1.016 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/18/2025 | 04/18/2025 |  |  |  | 675 |
| XXXX | 200000112 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.396 | 1.396 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/19/2025 | 03/19/2025 |  |  |  | 791 |
| XXXX | 200000621 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $47878.54 | N/A |  |  | XXXX |  |  | 0.00% | 47.43% | 47.43% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 780 |
| XXXX | 200000620 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $50392.91 | N/A |  |  | XXXX |  |  | 0.00% | 44.67% | 44.67% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 780 |
| XXXX | 200000111 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.991 | 1.991 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/06/2025 | 04/06/2025 |  |  |  | 800 |
| XXXX | 200000099 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.33 | 1.33 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/11/2025 | 04/11/2025 |  |  |  | 720 |
| XXXX | 200000106 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.034 | 1.034 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/17/2025 | 04/17/2025 |  |  |  | 792 |
| XXXX | 200000109 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2025 | 32 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.116 | 1.116 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/16/2025 | 04/16/2025 | 04/16/2025 |  |  | 801 |
| XXXX | 200000101 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/09/2025 | 33 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.27 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/16/2025 | 04/16/2025 |  |  |  | 758 |
| XXXX | 200000121 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/09/2025 | 33 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.356 | 1.356 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 773 |
| XXXX | 200000124 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/09/2025 | 33 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 791 |
| XXXX | 200000088 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/09/2025 | 33 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.529 | 1.529 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/13/2025 | 03/13/2025 |  |  |  | 767 |
| XXXX | 200000122 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/09/2025 | 34 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/12/2025 | 05/12/2025 |  |  |  | 767 |
| XXXX | 200000123 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/09/2025 | 34 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.133 | 1.133 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/14/2025 | 05/14/2025 |  |  |  | 772 |
| XXXX | 200000125 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/09/2025 | 34 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.166 | 1.166 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 792 |
| XXXX | 200000676 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9970 | 06/02/2025 | 6.920% |  |  | No | 7.674% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $20347.72 | N/A |  |  | XXXX |  |  | 0.00% | 36.38% | 36.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/20/2025 | 05/20/2025 |  |  |  | 714 |
| XXXX | 200000665 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11990 | 06/16/2025 | 6.890% |  |  | No | 8.088% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $19373.15 | N/A |  |  | XXXX |  |  | 0.00% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 685 |
| XXXX | 200000673 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $76730.47 | N/A |  |  | XXXX |  |  | 0.00% | 34.50% | 34.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SECorporation, SECorporation, SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 727 |
| XXXX | 200000643 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5295 | 06/02/2025 | 6.920% |  |  | No | 7.245% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $17432.49 | N/A |  |  | XXXX |  |  | 0.00% | 12.72% | 12.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 30.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 |  |  |  | 704 |
| XXXX | 200000660 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $102162.62 | N/A |  |  | XXXX |  |  | 0.00% | 27.03% | 27.03% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 66 | Yes | 66 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/03/2025 | 06/03/2025 |  |  |  | 789 |
| XXXX | 200000750 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.990% |  | XXXX | Yes | 18.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.08 | 1.08 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/30/2025 | 04/30/2025 |  |  |  | 682 |
| XXXX | 200000669 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16595 | 05/05/2025 | 6.740% |  |  | No | 7.462% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $5252.11 | N/A |  |  | XXXX |  |  | 0.00% | 47.75% | 47.75% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 93.39% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Retirement - Award Letter Verified - 2025 - 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 | 06/09/2025 |  |  | 680 |
| XXXX | 200000642 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7419 | 05/19/2025 | 6.870% |  |  | No | 7.257% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $10790.60 | N/A |  |  | XXXX |  |  | 0.00% | 22.85% | 22.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 58 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/13/2025 | 06/13/2025 |  |  |  | 745 |
| XXXX | 200000649 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1495 | 06/09/2025 | 6.880% |  |  | No | 7.324% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $10067.42 | N/A |  |  | XXXX |  |  | 0.00% | 45.56% | 45.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 745 |
| XXXX | 200000780 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $45131.89 | N/A |  |  | XXXX |  |  | 0.00% | 35.33% | 35.33% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | No | 84 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/25/2025 | 04/25/2025 |  |  |  | 776 |
| XXXX | 200000647 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11863.76 | 06/16/2025 | 6.890% |  |  | No | 7.449% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $4820.19 | N/A |  |  | XXXX |  |  | 0.00% | 33.28% | 33.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/09/2025 | 04/09/2025 |  |  |  | 745 |
| XXXX | 200000650 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8545 | 06/02/2025 | 6.920% |  |  | No | 7.637% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $5069.78 | N/A | XXXX | XX | XXXX | 01/01/2026 | Annually | 0.00% | 46.69% | 46.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/03/2025 | 06/03/2025 |  |  |  | 712 |
| XXXX | 200000709 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15548 | 06/16/2025 | 6.890% |  |  | No | 7.776% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $72966.36 | N/A |  |  | XXXX |  |  | 0.00% | 20.63% | 20.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 773 |
| XXXX | 200000710 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1495 | 06/16/2025 | 6.890% |  |  | No | 8.058% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $36144.28 | N/A |  |  | XXXX |  |  | 0.00% | 35.72% | 35.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 703 |
| XXXX | 200000645 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8919 | 06/16/2025 | 6.890% |  |  | No | 7.298% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $26375.84 | N/A |  |  | XXXX |  |  | 0.00% | 22.70% | 22.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 796 |
| XXXX | 200000677 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17790 | 06/09/2025 | 6.880% |  |  | No | 8.188% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $11488.65 | N/A |  |  | XXXX |  |  | 0.00% | 36.87% | 36.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 771 |
| XXXX | 200000713 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 29395 | 06/16/2025 | 6.890% |  |  | No | 7.718% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $41255.94 | N/A |  |  | XXXX |  |  | 0.00% | 44.25% | 44.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/06/2025 | 06/06/2025 |  |  |  | 778 |
| XXXX | 200000646 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13556 | 06/09/2025 | 6.880% |  |  | No | 7.475% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $5056.88 | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 49.63% | 49.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/02/2025 | 05/02/2025 |  |  |  | 735 |
| XXXX | 200000664 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11295 | 06/09/2025 | 6.880% |  |  | No | 8.171% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $14642.63 | N/A |  |  | XXXX |  |  | 0.00% | 42.18% | 42.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 661 |
| XXXX | 200000681 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5219 | 05/19/2025 | 6.870% |  |  | No | 7.455% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $31487.52 | N/A |  |  | XXXX |  |  | 0.00% | 17.21% | 17.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 763 |
| XXXX | 200000648 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7360.82 | 06/16/2025 | 6.890% |  |  | No | 7.322% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $5432.90 | N/A | XXXX | XX | XXXX | 08/30/2025 | Annually | 0.00% | 42.81% | 42.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 |  |  |  | 756 |
| XXXX | 200000708 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1495 | 05/26/2025 | 6.930% |  |  | No | 7.340% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $4248.63 | Yes | XXXX | XX | XXXX | 08/01/2025 | Monthly | 0.00% | 41.82% | 41.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 13 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/20/2025 | 05/20/2025 |  |  |  | 808 |
| XXXX | 200000657 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $34981.39 | Yes | XXXX | XX | XXXX |  | Monthly | 0.00% | 20.45% | 20.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 798 |
| XXXX | 200000775 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.1 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 668 |
| XXXX | 200000652 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9090 | 06/16/2025 | 6.890% |  |  | No | 7.445% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $9186.19 | N/A |  |  | XXXX |  |  | 0.00% | 38.76% | 38.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 775 |
| XXXX | 200000773 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | Yes | 18.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/16/2025 | 04/16/2025 |  |  |  | 664 |
| XXXX | 200000798 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7735 | 05/26/2025 | 6.800% |  |  | No | 8.100% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $6480.51 | N/A |  |  | XXXX |  |  | 0.00% | 49.19% | 46.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/23/2025 | 05/23/2025 |  |  |  | 736 |
| XXXX | 200000655 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | XX | XXXX | 08/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.057 | 1.05 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/30/2025 | 04/30/2025 |  |  |  | 748 |
| XXXX | 200000663 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1495 | 06/23/2025 | 6.830% |  |  | No | 7.791% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $12202.63 | N/A |  |  | XXXX |  |  | 0.00% | 35.95% | 35.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 704 |
| XXXX | 200000659 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1495 | 06/16/2025 | 6.890% |  |  | No | 7.441% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $8619.15 | N/A |  |  | XXXX |  |  | 0.00% | 45.43% | 45.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 733 |
| XXXX | 200000675 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8690 | 06/16/2025 | 6.890% |  |  | No | 7.527% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $17530.02 | N/A |  |  | XXXX |  |  | 0.00% | 28.47% | 28.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 780 |
| XXXX | 200000662 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15355 | 06/30/2025 | 6.770% |  |  | No | 7.884% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $26305.56 | N/A |  |  | XXXX |  |  | 0.00% | 25.09% | 25.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/12/2025 | 06/12/2025 |  |  |  | 731 |
| XXXX | 200000774 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.082 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 683 |
| XXXX | 200000794 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | Yes | 18.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.007 | 1.007 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 810 |
| XXXX | 200000758 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 | 1.013 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 757 |
| XXXX | 200000811 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 07/07/2025 | 6.670% |  |  | No | 0.000% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $24182.64 | N/A |  |  | XXXX |  |  | 0.00% | 31.60% | 31.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/08/2025 | 07/08/2025 |  |  |  | 724 |
| XXXX | 200000815 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2720 | 07/07/2025 | 6.670% |  |  | No | 6.900% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $32840.73 | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 28.11% | 28.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/17/2025 | 06/17/2025 |  |  |  | 775 |
| XXXX | 200000814 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 25020 | 06/16/2025 | 6.890% |  |  | No | 7.438% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $31822.94 | N/A |  |  | XXXX |  |  | 0.00% | 39.81% | 39.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 354 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/13/2025 | 06/13/2025 |  |  |  | 730 |
| XXXX | 200000817 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 31080 | 06/23/2025 | 6.830% |  |  | No | 7.151% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $29679.42 | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 44.83% | 44.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 761 |
| XXXX | 200000813 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7820 | 06/16/2025 | 6.890% |  |  | No | 7.199% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $34112.99 | N/A |  |  | XXXX |  |  | 0.00% | 45.75% | 45.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/23/2025 | 05/23/2025 |  |  |  | 803 |
| XXXX | 200000816 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2720 | 06/23/2025 | 6.830% |  |  | No | 7.284% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $32202.30 | N/A |  |  | XXXX |  |  | 0.00% | 24.10% | 24.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 803 |
| XXXX | 200000812 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7550 | 06/16/2025 | 6.890% |  |  | No | 7.207% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $15816.53 | N/A |  | CA | XXXX |  |  | 0.00% | 40.63% | 40.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 776 |
| XXXX | 200000715 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/10/2025 | 07/10/2025 |  |  |  | 657 |
| XXXX | 200000716 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $4572.51 | N/A |  |  | XXXX |  |  | 0.00% | 38.28% | 38.28% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/04/2025 | 07/04/2025 |  |  |  | 808 |
| XXXX | 200000682 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.990% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | XX | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.029 | 1.029 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/06/2025 | 06/06/2025 |  |  |  | 653 |
| XXXX | 200000787 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11897 | 06/30/2025 | 6.770% |  |  | No | 6.863% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $6076.90 | N/A | XXXX | XX | XXXX | 01/01/2026 | Annually | 0.00% | 41.19% | 41.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 24 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/21/2025 | 06/21/2025 | 06/21/2025 |  |  | 765 |
| XXXX | 200000651 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10925 | 07/07/2025 | 6.760% |  |  | No | 8.014% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $12696.75 | N/A |  |  | XXXX |  |  | 0.00% | 41.59% | 38.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 758 |
| XXXX | 200000790 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11709.69 | 06/30/2025 | 6.770% |  |  | No | 8.078% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $13877.05 | N/A | XXXX | XX | XXXX |  | Monthly | 0.00% | 45.54% | 45.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/16/2025 | 05/16/2025 |  |  |  | 712 |
| XXXX | 200000714 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 18.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.006 | 1.006 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 711 |
| XXXX | 200000803 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 4330.44 | 07/07/2025 | 6.670% |  |  | No | 6.933% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $76112.68 | Yes | XXXX | XX | XXXX |  | Monthly | 0.00% | 14.79% | 14.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 748 |
| XXXX | 200000717 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.990% |  | XXXX | Yes | 18.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.018 | 1.018 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/15/2025 | 05/15/2025 |  |  |  | 698 |
| XXXX | 200000808 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8408.91 | 07/07/2025 | 6.670% |  |  | No | 9.850% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $6328.47 | N/A |  |  | XXXX |  |  | 0.00% | 48.18% | 48.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 625 |
| XXXX | 200000718 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 14976 | 07/14/2025 | 6.750% |  |  | No | 10.069% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $6873.98 | N/A |  |  | XXXX |  |  | 0.00% | 44.96% | 44.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 701 |

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 200000744 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14925.35 | 3.2 | 14925.35 | 3.2 | No | 70.0 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000089 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19296.31 | 7.8 | 19296.31 | 7.8 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000086 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 52007.43 | 28.8 | No | 43.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000103 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34652.47 | 14.1 | 34652.47 | 14.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000108 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  | N/A | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29160.16 | 9.9 | 29160.16 | 9.9 | No | 39.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000117 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28521.73 | 7.0 | 28521.73 | 7.0 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000126 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16851.00 | 5.9 | 17130.61 | 6.0 | No | 58.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000094 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43332.87 | 11.6 | 43332.87 | 11.6 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000100 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12612.30 | 6.5 | 12612.30 | 6.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000746 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32856.14 | 10.7 | 32856.14 | 10.7 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000096 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 11724.63 | 14.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000114 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 101397.58 | 36.8 | No | 49.04 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 200000118 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67115.85 | 31.5 | 67115.85 | 31.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000105 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1274823.37 | 471.0 | 1274823.37 | 471.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000095 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  | N/A |  | N/A | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29482.73 | 8.4 | 29482.73 | 8.4 | No | 51.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000097 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8735.70 | 3.9 | 8735.70 | 3.9 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000102 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  | Employment Authorization Card |  | N/A | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42166.13 | 10.2 | 42166.13 | 10.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000092 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1161.40 | 0.8 | 42171.25 | 29.6 | No | 76.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000093 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 139137.52 | 94.6 | No | 74.63 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000098 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 91528.37 | 96.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000104 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25115.68 | 9.6 | 25115.68 | 9.6 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000113 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 114521.09 | 47.1 | 114521.09 | 47.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000116 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 78851.23 | 50.8 | 78851.23 | 50.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000110 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 176514.78 | 119.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000619 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 144528.82 | 15.1 | 173623.73 | 18.1 | No | 64.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000087 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17181.78 | 7.4 | 17181.78 | 7.4 | No | 34.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000090 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 222336.44 | 43.6 | 222336.44 | 43.6 | No | 75.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000115 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 296991.76 | 200.6 | 296991.76 | 200.6 | No | 62.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000120 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26982.11 | 12.7 | 26982.11 | 12.7 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000091 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90519.51 | 48.2 | 90519.51 | 48.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000107 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 55804.87 | 29.8 | 55804.87 | 29.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000112 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 187992.45 | 104.0 | 187992.45 | 104.0 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000621 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 776695.94 | 122.9 | 776695.94 | 122.9 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 200000620 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 874834.43 | 230.0 | 874834.43 | 230.0 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 200000111 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 174607.43 | 97.2 | 174607.43 | 97.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000099 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27856.90 | 12.4 | 27856.90 | 12.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000106 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15872.92 | 6.4 | 15872.92 | 6.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000109 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 194824.86 | 90.6 | No | 54.21 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000101 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9141.80 | 9.3 | 9141.80 | 9.3 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000121 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 87158.94 | 102.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000124 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34210.86 | 12.2 | 34210.86 | 12.2 | No | 68.65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000088 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 91732.35 | 110.0 | No | 63.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000122 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 309858.58 | 147.6 | 309858.58 | 147.6 | No | 68.27 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000123 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27303.57 | 10.8 | 27303.57 | 10.8 | No | 58.8 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000125 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91835.48 | 53.5 | 86602.14 | 50.5 | No | 69.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000676 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 83606.06 | 18.2 | 83606.06 | 18.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000665 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 300262.55 | 54.5 | 300262.55 | 54.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000673 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 440745.82 | 72.1 | 440745.82 | 72.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000643 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13707.07 | 7.0 | 13707.07 | 7.0 | No | 69.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000660 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36264.00 | 4.6 | 256319.03 | 39.6 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000750 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160046.76 | 27.0 | 203380.41 | 34.3 | No | 74.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000669 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1881.48 | 0.4 | 106825.81 | 22.3 | No | 58.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000642 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No | Closed End - Fixed |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 29205.88 | 14.6 | No | 59.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000649 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37381.10 | 5.6 | 37381.10 | 5.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000780 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5944367.09 | 510.7 | 6319216.32 | 542.9 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000647 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13708.84 | 6.8 | 13708.84 | 6.8 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000650 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41516.19 | 17.3 | 41516.19 | 17.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000709 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101881.60 | 8.7 | 101881.60 | 8.7 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000710 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40954.18 | 4.1 | 40954.18 | 4.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000645 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41335.13 | 9.3 | 41335.13 | 9.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000677 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23458.28 | 4.2 | 23458.28 | 4.2 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000713 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 143178.28 | 12.2 | 143178.28 | 12.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 200000646 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 333.10 | 0.1 | 333.10 | 0.1 | No | 70.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000664 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 2000.00 | 0.6 | No | 68.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000681 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39951.35 | 7.3 | 39951.35 | 7.3 | No | 79.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000648 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28366.25 | 11.0 | 28366.25 | 11.0 | No | 71.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000708 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 294314.83 | 143.8 | No | 41.67 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000657 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28063.82 | 6.9 | 28063.82 | 6.9 | No | 74.94 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000775 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 18390.07 | 8.4 | 18390.07 | 8.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000652 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 178215.82 | 48.7 | 178215.82 | 48.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000773 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Employment Authorization Card |  | N/A | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18538.91 | 8.9 | 18538.91 | 8.9 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000798 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 28995.78 | 5.9 | 31520.31 | 6.4 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000655 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111594.04 | 40.4 | 111594.04 | 40.4 | No | 74.55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000663 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40724.20 | 7.6 | 40724.20 | 7.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000659 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 233.16 | 0.0 | 233.16 | 0.0 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000675 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 283169.08 | 62.1 | No | 74.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 200000662 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42621.33 | 7.6 | 42621.33 | 7.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000774 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1254.98 | 0.7 | 175622.42 | 98.9 | No | 64.66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000794 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 79714.85 | 43.4 | 79714.85 | 43.4 | No | 70.0 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000758 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2303908.02 | 641.4 | 2303908.02 | 641.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000811 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 86250.48 | 14.8 | 86250.48 | 14.8 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000815 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45925.47 | 5.1 | 45925.47 | 5.1 | No | 53.8 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000814 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 154850.93 | 12.5 | 154850.93 | 12.5 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000817 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 212600.96 | 11.1 | 212600.96 | 11.1 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000813 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50274.73 | 14.8 | 50274.73 | 14.8 | No | 68.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000816 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 287403.08 | 37.3 | 287403.08 | 37.3 | No | 71.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000812 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 978.52 | 0.2 | 978.52 | 0.2 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000715 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 185758.90 | 110.6 | No | 52.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000716 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 150788.00 | 83.5 | 150788.00 | 83.5 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000682 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 156154.06 | 74.8 | No | 65.0 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000787 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 35351.07 | 9.2 | 35351.07 | 9.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 200000651 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 88646.38 | 12.0 | 88646.38 | 12.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000790 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0.0 | 75575.04 | 11.9 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000714 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 18823.67 | 10.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000803 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 87604.51 | 22.8 | 87604.51 | 22.8 | No | 65.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000717 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17126.19 | 7.0 | 17126.19 | 7.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000808 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0.0 | 36591.31 | 7.6 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 200000718 | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 48550.78 | 10.3 | 48550.78 | 10.3 | No | 86.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 200000744 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4760 | Appraisal - 1007 |  | N/A |  |  | 4760 | Appraisal - 1007 | No | 97.11 | Y | 1.03 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4760 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000089 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2325 | Appraisal - 1007 |  | N/A |  |  | 2325 | Appraisal - 1007 | No | 106.21 | 0.942 | 0.941 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2325 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 7.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000094 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 113.01 | 0.885 | 0.885 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.62 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 200000100 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 96.56 | 1.036 | 1.036 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.53 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000746 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 | 3100 | Other | 1 |  | 3100 | Other | Yes | 98.74 | 1 | 1.013 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000096 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1120 | 1150 | Appraisal - 1007 |  | N/A |  |  | 1120 | Actual In Place Rent | No | 72.77 | 1.374 | 1.374 | XXXX | 1120 | 05-14-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1120 |  |  |  |  |  |  |  | No | 23.2 | 1 | 1 | N/A | 14.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000114 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3575 | Appraisal - 1007 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 78.83 | 1.268 | 1.269 | XXXX | 3500 | 08-11-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 20.2 | 1 | 1 | N/A | 36.75 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000118 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 83.63 | 1.196 | 1.196 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000105 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4185 | 4350 | Appraisal - 1025 |  | N/A |  |  | 4350 | Appraisal - 1025 | No | 62.22 | 1.491 | 1.491 | XXXX | 1385 | 05-15-2025 | 1 | 1465 | 02-14-2026 | 12 | 1335 | 05-15-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 471 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000095 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 117.21 | 0.853 | 0.853 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000097 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 88.61 | 1.129 | 1.129 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000102 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6100 | Appraisal - 1025 |  | N/A |  |  | 6100 | Appraisal - 1025 | No | 67.66 | 1.478 | 1.478 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000092 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 1950 | Appraisal - 1007 |  | N/A |  |  | 1950 | Appraisal - 1007 | No | 73.13 | 1.367 | 1.367 | XXXX | 2400 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 1950 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 29.57 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000093 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Actual In Place Rent | No | 86.48 | 1.156 | 1.156 | XXXX | 1700 | 08-15-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 1700 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 94.64 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000098 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 72.94 | 1.371 | 1.371 | XXXX | 1500 | 06-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1300 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 96.52 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000104 | XXXX | XXXX | XXXX | Not Stated Not Verified | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.61 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000113 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 95.46 | 1.048 | 1.048 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 47.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000116 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 83.94 | 1.191 | 1.191 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 50.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000110 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 82.37 | 1.214 | 1.214 | XXXX | 2500 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 1800 |  |  |  |  |  |  |  | No | 9.4 | 2 | 1 | N/A | 119.06 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000619 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 12500 | 12500 | Appraisal - 1007 |  | N/A |  |  | 12500 | Appraisal - 1007 | No | 76.65 | 1.305 | 1.305 | XXXX | 12500 | 05-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 12500 |  |  |  |  |  |  |  | No | 35 | 1 | 1 | N/A | 18.12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000087 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 66.21 | 1.51 | 1.51 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000090 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 72.86 | 1.372 | 1.372 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.59 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000115 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 84.59 | 1.182 | 1.182 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 200.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000120 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 82.01 | 1.219 | 1.219 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.65 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000091 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2605 | Appraisal - 1025 |  | N/A |  |  | 2605 | Appraisal - 1025 | No | 72.06 | 1.388 | 1.388 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2605 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.22 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000107 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 98.41 | 1.016 | 1.016 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000112 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2525 | Appraisal - 1007 |  | N/A |  |  | 2525 | Appraisal - 1007 | No | 71.61 | 1.396 | 1.396 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2525 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 103.96 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000621 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 122.92 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 200000620 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 95.1 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 7 | 1 | N/A | 229.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 200000111 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2675 | 3575 | Appraisal - 1025 |  | N/A |  |  | 3575 | Appraisal - 1025 | No | 50.23 | 1.991 | 1.991 | XXXX | 875 | 08-05-2025 | 12 | 0 | 05-29-2025 | 1 | 900 | 11-01-2025 | 12 | 900 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 97.24 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000099 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 75.19 | 1.33 | 1.33 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000106 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 96.72 | 1.034 | 1.034 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000109 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2725 | Appraisal - 1007 |  | N/A |  |  | 2400 | Actual In Place Rent | No | 89.59 | 1.116 | 1.116 | XXXX | 2400 | 01-02-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2400 |  |  |  |  |  |  |  | No | 9.8 | 1 | 1 | N/A | 90.61 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000101 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 78.74 | 1.27 | 1.27 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.29 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000121 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1150 | Actual In Place Rent | No | 73.74 | 1.356 | 1.356 | XXXX | 1150 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 0 | XXXX | 0 | 1150 | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 8.1 | 1 | 1 | N/A | 102.78 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 200000124 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 99.9 | 1.001 | 1.001 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000088 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1275 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1275 | Actual In Place Rent | No | 65.4 | 1.529 | 1.529 | XXXX | 1275 | 12-09-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 0 | XXXX | 0 | 1275 | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 5.2 | 1 | 1 | N/A | 110.01 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000122 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 99.96 | 1 | 1 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 147.61 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000123 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2870 | Appraisal - 1007 |  | N/A |  |  | 2870 | Appraisal - 1007 | No | 88.23 | 1.133 | 1.133 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2870 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000125 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 85.78 | 1.166 | 1.166 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 50.48 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000673 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4750 | Appraisal - 1007 |  | N/A |  |  | 4750 | Appraisal - 1007 | No | 156.44 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 72.11 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000660 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 214.74 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 3700 |  |  |  |  |  |  |  | No | 0.6 | 2 | 1 | N/A | 39.64 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000750 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6384 | 6400 | Appraisal - 1025 |  | N/A |  |  | 6400 | Appraisal - 1025 | No | 92.58 | 1.08 | 1.08 | XXXX | 1924 | 06-23-2025 | 1 | 1648 | 06-23-2025 | 1 | 1875 | 06-23-2025 | 1 | 937 | 06-23-2025 | 1 |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6400 |  |  |  |  |  |  |  | No | 20.3 | 1 | 1 | N/A | 34.32 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000780 | XXXX | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | No | 0 | 8300 | Appraisal - 1025 |  | N/A |  |  | 8300 | Appraisal - 1025 | No | 140.23 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 8300 |  |  |  |  |  |  |  | No | 5.8 | 1 | 1 | N/A | 542.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 200000657 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 163.81 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000775 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 90.88 | 1.1 | 1.1 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.43 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000773 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 99.65 | 1.004 | 1.004 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2100 |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 8.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 200000655 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3800 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3800 | Actual In Place Rent | No | 94.62 | 1.05 | 1.057 | XXXX | 3800 | 04-30-0206 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 40.4 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000774 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1920 | Appraisal - 1007 |  | N/A |  |  | 1920 | Appraisal - 1007 | No | 92.46 |  | 1.082 | XXXX | 1600 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1920 |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 98.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000794 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 99.26 | 1.007 | 1.007 | XXXX | 1600 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000758 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3640 | Appraisal - 1025 |  | N/A |  |  | 3640 | Appraisal - 1025 | No | 98.68 | 1.013 | 1.013 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3640 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 641.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 200000811 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4600 | Appraisal - 1007 |  | N/A |  |  | 4600 | Appraisal - 1007 | No | 153.55 | 0.65 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.79 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000715 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1680 | Appraisal - 1007 |  | N/A |  |  | 1680 | Appraisal - 1007 | No | 99.99 |  | 1 | XXXX | 1750 | 12-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1680 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 110.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000716 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 83.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000682 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 97.14 | 1.029 | 1.029 | XXXX | 2000 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2150 |  |  |  |  |  |  |  | No | 20.7 | 1 | 1 | N/A | 74.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 200000714 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 99.36 | 1.006 | 1.006 | XXXX | 2250 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 1850 |  |  |  |  |  |  |  | No | 0.8 | 2 | 1 | N/A | 10.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 200000717 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 98.26 | 1.018 | 1.018 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 200000744 | XXXX D B C A | Closed | FVAL5524 | 2025-04-23 11:13 | 2025-07-01 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted to allow property type. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open--Condo unit is a studio and does not have a separate bedroom as required by guidelines. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Waived-Originator exception granted to allow property type. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is lower than the guideline max of 75. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3938469 |
| XXXX | 200000744 | XXXX D B C A | Closed | FPRO1253 | 2025-03-18 16:29 | 2025-03-25 14:45 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received original appraisal effective date XXXX and desk review supports. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Appraisal uploaded is date XXXX - Seller-03/21/2025 <br> Counter-Effective date of appraisal is XXXX-secondary valuation product required confirming review of XXXX appraisal. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. The appraisal was redated XXXX due to the completion of the property. Original appraisal date XXXX which CDA was ordered from. - Seller-03/21/2025 <br> Counter-CDA received is dated XXXX reviewing appraisal dated XXXX. Appraisal received is dated XXXX-provide acceptable secondary valuation of appraisal XXXX - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. It is located on page 197 of the credit page. Uploaded - Seller-03/19/2025 <br> Open-Additional valuation product has not been provided. Missing desk review to support value. - Due Diligence Vendor-03/18/2025 | Ready for Review-Appraisal uploaded is date XXXX - Seller-03/21/2025 <br> Ready for Review-Document Uploaded. The appraisal was redated XXXX due to the completion of the property. Original appraisal date XXXX which CDA was ordered from. - Seller-03/21/2025 <br> Ready for Review-Document Uploaded. It is located on page 197 of the credit page. Uploaded - Seller-03/19/2025 | Resolved-Received original appraisal effective date XXXX and desk review supports. - Due Diligence Vendor-03/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is lower than the guideline max of 75. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3640866 |
| XXXX | 200000744 | XXXX D B C A | Closed | FCRE7011 | 2025-03-18 16:36 | 2025-03-25 13:54 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Originator provided a waiver for 6 months rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Counter-Rent Loss coverage of 6 months is required residential investment properties per 1.4.1.8.1 of guidelines. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-This is a condotel, not a 1-4 - Seller-03/21/2025 <br>Counter-Please provide acceptable evidence of 6 months of rent loss coverage required on 1-4 unit residential investment properties per 1.4.1.8.1 of guidelines. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-The Master Policy has walls in coverage. No HO6 policy required... Not required - Seller-03/19/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Missing 6 months rent loss insurance - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Ready for Review-This is a condotel, not a 1-4 - Seller-03/21/2025 <br>Ready for Review-The Master Policy has walls in coverage. No HO6 policy required... Not required - Seller-03/19/2025<br>| Waived-Originator provided a waiver for 6 months rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-03/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 777 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 70 is lower than the guideline max of 75. | 777 FICO >680 required; 70% LTV<75% max LTV. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3640971 |
| XXXX | 200000089 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000086 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000103 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000108 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000117 | XXXX C A | Closed | FCRE0044 | 2025-05-19 14:03 | 2025-05-22 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Uploaded LOE of inquiries - Seller-05/20/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Uploaded LOE of inquiries - Seller-05/20/2025<br>| Resolved-Received LOE - Due Diligence Vendor-05/22/2025<br>| Qualifying DTI below maximum allowed - 41.67% DTI below 49% maximum allowed<br>LTV is less than guideline maximum - 60% LTV is less than 80% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4181405 |
| XXXX | 200000126 | XXXX C A | Closed | FCRE1204 | 2025-05-19 11:28 | 2025-05-22 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated data verify provided with high/medium alerts cleared. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Counter-Mavent report provided, however we are missing a Fraud Report with all High and Medium alerts cleared. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflects Auto Refer ; high and medium alerts were not cleared. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Updated data verify provided with high/medium alerts cleared. - Due Diligence Vendor-05/22/2025<br>| LTV is less than guideline maximum - 59% LTV vs. 75% max LTV<br>Qualifying DTI below maximum allowed - 10.27% DTI vs. max DTI of 49% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4178813 |
| XXXX | 200000094 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000100 | XXXX C A | Closed | FCRE8701 | 2025-05-20 16:04 | 2025-05-28 14:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received operating agreement-all requirements met. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. XXXX: Uploaded LLC document. - Seller-05/23/2025 <br> Counter-EIN is not a required document, however documentation to support 100% ownership was not located in the loan file. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-XXXX: EIN is not required, please advise why this is requested?<br> - Seller-05/22/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN Doc - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. XXXX: Uploaded LLC document. - Seller-05/23/2025 <br> Ready for Review-XXXX: EIN is not required, please advise why this is requested?<br> - Seller-05/22/2025 | Resolved-Received operating agreement-all requirements met. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 6.53 mths reserves; 3 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.036 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4196548 |
| XXXX | 200000100 | XXXX C A | Closed | FCRE0045 | 2025-05-20 14:59 | 2025-05-23 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. XXXX: see uploaded<br> - Seller-05/22/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH Form - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. XXXX: see uploaded<br> - Seller-05/22/2025 | Resolved-Received ACH - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 6.53 mths reserves; 3 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.036 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4195433 |
| XXXX | 200000746 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000096 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000114 | XXXX D A | Closed | FCRE9814 | 2025-05-21 12:48 | 2025-05-23 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Certification of Trust. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Open-Missing Trust Agreement. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Received Certification of Trust. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 754 FICO score is 20+ points above 620 minimum<br>Months Reserves exceed minimum required - 36 months reserves exceed 3 month minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4206308 |
| XXXX | 200000118 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000105 | XXXX C A | Closed | FCRE8701 | 2025-05-22 12:48 | 2025-05-27 12:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, EIN is not a required document. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN Doc - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Upon further review, EIN is not a required document. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620 / Borrower FICO 787<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.491% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4216658 |
| XXXX | 200000095 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000097 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000102 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000092 | XXXX C B A | Closed | FCRE1194 | 2025-05-27 09:47 | 2025-06-03 15:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver LTV > 75% applied to non material finding with comp factors - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Counter-Documentation received is duplicate-1008 previously provided reflected different appraised value. Original finding remains. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Counter-Documentation received is insufficient-appraised value is XXXX-original finding remains. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please note that LTV does not exceed guidelines, please see attached 1008. - Seller-05/27/2025 <br> Open-Audited LTV of 76.67% exceeds Guideline LTV of 75% Audited LTV of 76.67% exceeds Guideline max LTV of 75% for Cash-Out Refinance - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Ready for Review-Document Uploaded. Please note that LTV does not exceed guidelines, please see attached 1008. - Seller-05/27/2025<br>| Waived-Originator provided a waiver LTV > 75% applied to non material finding with comp factors - Due Diligence Vendor-06/03/2025<br>| DSCR % greater than 1.20 - DSCR greater than 1.20 at 1.367<br>Months Reserves exceed minimum required - 29 months reserves exceed 3 month minimum required | Reserves: 29 mos>3 mos required.<br> DSCR: 1.367%>1.20 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4242599 |
| XXXX | 200000093 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000098 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000104 | XXXX C A | Closed | FCRE7375 | 2025-05-27 07:07 | 2025-05-30 14:18 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Loan file contains a valid passport. Guides indicate a valid Visa and I-94 are not required on investment properties when the borrower does not live in the XXXX. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Rebuttal/Comment: Please note that borrower is purchasing a investment property and borrower does not need to be in XXXX to live or close.<br> So in this case we do not need to verify VISA, since they are not going to live here. - Seller-05/28/2025 <br> Open-VISA expiration date XXXX<br> I-94 expiration date 4/30/2025 - Due Diligence Vendor-05/27/2025 | Ready for Review-Rebuttal/Comment: Please note that borrower is purchasing a investment property and borrower does not need to be in US to live or close.<br> So in this case we do not need to verify VISA, since they are not going to live here. - Seller-05/28/2025<br>| Resolved-Loan file contains a valid passport. Guides indicate a valid Visa and I-94 are not required on investment properties when the borrower does not live in the US. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 3 months reserves required / Borrower Reserves 9.61 months ($25,115.68) |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4241215 |
| XXXX | 200000113 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000116 | XXXX D A | Closed | FCRE5116 | 2025-05-27 11:51 | 2025-05-29 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-VOR is not required since borrower is not a first time homebuyer. - Seller-05/27/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification for primary residence. - Due Diligence Vendor-05/27/2025 | Ready for Review-VOR is not required since borrower is not a first time homebuyer. - Seller-05/27/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.191%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 692 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4244876 |
| XXXX | 200000110 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000619 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000087 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000090 | XXXX D A | Closed | FPRO1255 | 2025-05-28 12:28 | 2025-06-04 21:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, the loan file contained all required Condo Documentation. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Please note that subject property its of 2 units and has V condo project review, per guidelines if property has 2-4 units it only requires appraisal report, HVCC Cert and master insurance (since it has walls in). - Seller-05/29/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide HOA questionnaire. Once received, must meet condo requirements and not show any pending litigation. Must confirm HOA/common charges if applicable. - Due Diligence Vendor-05/28/2025 | Ready for Review-Please note that subject property its of 2 units and has V condo project review, per guidelines if property has 2-4 units it only requires appraisal report, HVCC Cert and master insurance (since it has walls in). - Seller-05/29/2025<br>| Resolved-Upon further review, the loan file contained all required Condo Documentation. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 808 FICO score is 20+ points above 620 minimum <br>Months Reserves exceed minimum required - 43 months reserves exceed 3 month minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4258018 |
| XXXX | 200000090 | XXXX D A | Closed | FCRE8701 | 2025-05-29 10:05 | 2025-05-30 14:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please note that guidelines don't require EIN, we have provided Operating agreement reflecting ownership . - Seller-05/29/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN Doc - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please note that guidelines don't require EIN, we have provided Operating agreement reflecting ownership . - Seller-05/29/2025<br>| Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 808 FICO score is 20+ points above 620 minimum <br>Months Reserves exceed minimum required - 43 months reserves exceed 3 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4268768 |
| XXXX | 200000090 | XXXX D A | Closed | FCRE0108 | 2025-05-28 13:12 | 2025-05-30 14:55 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required liability coverage documentation. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please disregard comment below, note that per XXXX guidelines is not required since the project is less than XXXX units. - Seller-05/29/2025 <br> Ready for Review-Could you please advise to which document you are referring regarding the fidelity coverage ? - Seller-05/29/2025 <br> Open-Fidelity Coverage not met. Fidelity coverage not provided - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. Please disregard comment below, note that per XXXX guidelines is not required since the project is less than 20 units. - Seller-05/29/2025 <br> Ready for Review-Could you please advise to which document you are referring regarding the fidelity coverage ? - Seller-05/29/2025 | Resolved-Upon further review, the loan file contained all required liability coverage documentation. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 808 FICO score is 20+ points above 620 minimum <br>Months Reserves exceed minimum required - 43 months reserves exceed 3 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4258634 |
| XXXX | 200000115 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000120 | XXXX C A | Closed | FCRE0360 | 2025-05-29 11:23 | 2025-06-11 15:45 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-After further review, the guides allow a VOR to document housing for a FTHB - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Housing history must be evidenced by twelve (12) months proof of payment via institutional VOR. Private party VOR must be provided with 12 months proof of payment. Missing proof of payments for XXXX through XXXX for private party VOR in the loan file. Additional conditions may apply. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-After further review, the guides allow a VOR to document housing for a FTHB - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 704<br>DSCR % greater than 1.20 - DSCR 1.219% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4270472 |
| XXXX | 200000091 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000107 | XXXX C A | Closed | FCRE1151 | 2025-05-30 07:38 | 2025-06-03 14:59 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please note that on title we have COT reflecting period sinceXXXX, covering more than the 24 months. - Seller-06/02/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 month chain of title - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please note that on title we have COT reflecting period since 2008, covering more than the 24 months. - Seller-06/02/2025<br>| Resolved-Received chain of title. - Due Diligence Vendor-06/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.016 and minimum is 0.85 <br>Months Reserves exceed minimum required - 29 months reserves exceed 3 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4280697 |
| XXXX | 200000112 | XXXX C A | Closed | FCRE0082 | 2025-05-30 09:05 | 2025-06-11 11:13 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-After further review, a spouse signing the mortgage to release dower rights does not have to be on title. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please note XXXX is not vested on title and did not sign the Note as borrower. She signed the Deed of Trust "solely to release dower" rights in Ohio.<br>- Seller-06/09/2025 <br> Counter-Preliminary title received does not reflect non borrowing spouse-only borrower. Update preliminary title for vesting, searches etc required. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Please note that this was checked by our compliance officer and had no issue. Could you please advise why is not allowed? - Seller-06/03/2025 <br> Open-Vested Owner Signature Requirement Not met. Non- Borrowing Spouse on mortgage but not listed on title. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please note XXXX is not vested on title and did not sign the Note as borrower. She signed the Deed of Trust "solely to release dower" rights in Ohio.<br>- Seller-06/09/2025 <br> Ready for Review-Please note that this was checked by our compliance officer and had no issue. Could you please advise why is not allowed? - Seller-06/03/2025 | Resolved-After further review, a spouse signing the mortgage to release dower rights does not have to be on title. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 791<br>DSCR % greater than 1.20 - DSCR 1.396% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4281426 |
| XXXX | 200000621 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000620 | XXXX D A | Closed | FCRE5782 | 2025-06-03 08:59 | 2025-06-05 17:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM for B2. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Counter-Gap credit report for borrower 1 was provided; however, the Gap credit report is missing for the co-borrower. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received UDM for B2. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 780 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 229 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4310678 |
| XXXX | 200000620 | XXXX D A | Closed | FCRE7497 | 2025-06-03 08:14 | 2025-06-04 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage Statement for B1 - REO 3c was provided. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached and the tax and insurance clearly shows that it is not a condo or PUD. - Seller-06/03/2025 <br>Open-File is missing Mortgage Statement for B1 - REO 3c - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see attached and the tax and insurance clearly shows that it is not a condo or PUD. - Seller-06/03/2025<br>| Resolved-Mortgage Statement for B1 - REO 3c was provided. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 780 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 229 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4310283 |
| XXXX | 200000111 | XXXX C A | Closed | FCRE1159 | 2025-06-04 09:01 | 2025-06-10 14:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI Policy with the correct term. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. XXXX: Please see page 286 of loan package, policy period is XXXX - XXXX which the same with funded date XXXX. - Seller-06/06/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX. Disbursement date XXXX per CD. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. 06/06: Please see page 286 of loan package, policy period is XXXX which the same with funded date XXXX. - Seller-06/06/2025 | Resolved-Received HOI Policy with the correct term. - Due Diligence Vendor-06/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.991%<br>Qualifying FICO score is at least 20 points above minimum for program - MIN FICO 660 / Borrower FICO 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4329197 |
| XXXX | 200000099 | XXXX C A | Closed | FCRE0082 | 2025-06-05 05:22 | 2025-06-12 10:58 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-After further review, the spouse is not required to be on title. - Due Diligence Vendor-06/12/2025 <br>Open-Vested Owner Signature Requirement Not met. Non Borrowing signer not listed on Title - Due Diligence Vendor-06/05/2025 |  | Resolved-After further review, the spouse is not required to be on title. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 720<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.33% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4341620 |
| XXXX | 200000106 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000109 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000101 | XXXX C A | Closed | FCRE2244 | 2025-06-10 13:56 | 2025-06-12 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Document Uploaded. Listing photos provided showing gas hookup. - Due Diligence Vendor-06/12/2025 <br> Open-Property Issues are identified for the property Stove /hookup is missing from kitchen. Per XXXX guides, a Stove "hookup" or Stove is required and appraisal does not support either. - Due Diligence Vendor-06/11/2025 |  | Resolved-Document Uploaded. Listing photos provided showing gas hookup. - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 758<br>DSCR % greater than 1.20 - DSCR 1.27% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4398640 |
| XXXX | 200000121 | XXXX C A | Closed | FCRE8701 | 2025-06-11 16:45 | 2025-06-17 14:02 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documents. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Uploaded Operating agreement - Seller-06/13/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing operating agreement for XXXX. Property is vested in XXXX. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Uploaded Operating agreement - Seller-06/13/2025<br>| Resolved-Received business entity documents. - Due Diligence Vendor-06/17/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 53 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.356<br>Months Reserves exceed minimum required - Verified assets of 102.78 months exceeds the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4416731 |
| XXXX | 200000124 | XXXX D A | Closed | FCRE5116 | 2025-06-13 09:39 | 2025-06-19 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Mortgage (VOM) listed on credit. LOX indicates no housing payment since XXXX. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Counter-Documentation received is insufficient-provide evidence VOR payments- Missing proof of XXXX rent payment from Feb through XXXX - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing proof of XXXX rent payment from Feb through XXXX - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025 <br>Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Verification of Mortgage (VOM) listed on credit. LOX indicates no housing payment since February 2025. - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 791 Qualifying FICO score is at least 20 points above 640 minimum for program<br>Months Reserves exceed minimum required - 12.23 Months Reserves exceed 3 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4438559 |
| XXXX | 200000124 | XXXX D A | Closed | FCRE1441 | 2025-06-13 09:47 | 2025-06-19 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Loan is a timeshare and per guidelines can be treated as an installment loan. - Due Diligence Vendor-06/19/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Credit report shows a mtg with XXXX with a balance of XXXX and 150+ days past due. Not allowed per guides - Due Diligence Vendor-06/13/2025 |  | Resolved-Loan is a timeshare and per guidelines can be treated as an installment loan. - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 791 Qualifying FICO score is at least 20 points above 640 minimum for program<br>Months Reserves exceed minimum required - 12.23 Months Reserves exceed 3 month minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4438715 |
| XXXX | 200000088 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000122 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000123 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000125 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000676 | XXXX B A | Closed | FCOM5135 | 2025-06-20 14:16 | 2025-06-20 14:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 18 months reserves. Per guides, 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying FICO 714 score . Per guides, minimum score required 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4515244 |
| XXXX | 200000665 | XXXX B A | Closed | FCOM5135 | 2025-06-24 17:13 | 2025-06-24 17:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 685 is higher than 660 minimum <br>Months Reserves exceed minimum required - 54 months reserves is higher than the 4 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4548863 |
| XXXX | 200000673 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000643 | XXXX B A | Closed | FCOM5135 | 2025-06-25 20:28 | 2025-06-25 21:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/26/2025 |  | Waived-Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/26/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 12.590 is lower than the max allowed 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 704 is higher than 660 minimum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4564803 |
| XXXX | 200000660 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000750 | XXXX C B A | Closed | FCRE1440 | 2025-06-30 10:10 | 2025-07-11 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note, credit supplement and updated statement. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months mortgage pay history for primary residence which is not reported on credit report. for Subject- Missing 2nd lien note FOR 2ND. <br> the Settlement and conditional loan quote was provided. per lox there is no Note. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received Note, credit supplement and updated statement. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 682; minimum score 660.<br>Months Reserves exceed minimum required - 7.31 months PITIA reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4600972 |
| XXXX | 200000750 | XXXX C B A | Closed | FVAL5524 | 2025-06-30 10:15 | 2025-06-30 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted to allow one unit less than 400 sq ft, Non-material waiver applied with comp factors. non-material due to four unit property, one unit smaller. - Due Diligence Vendor-06/30/2025 <br>Open-Unit 4, a studio with 342 square feet, does not meet guideline requirement of at least 400 square feet.<br> Lender Exception in file for one unit being 342 sq feet. - Due Diligence Vendor-06/30/2025 |  | Waived-Originator exception granted to allow one unit less than 400 sq ft, Non-material waiver applied with comp factors. non-material due to four unit property, one unit smaller. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 682; minimum score 660.<br>Months Reserves exceed minimum required - 7.31 months PITIA reserves; 6 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4601058 |
| XXXX | 200000750 | XXXX C B A | Closed | FCRE8201 | 2025-06-30 10:14 | 2025-06-30 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow cash out loan with a previous cash out within six months, Non-material waiver applied with comp factors. non-material due to Combining first and second mortgage. - Due Diligence Vendor-06/30/2025 <br> Open-<br> Per guidelines, loans are not eligible for cash-out if there has been a prior cash-out transaction within the past six (6) months. File documents a cash-out transaction in the form of a 2nd lien with cash to the borrower of XXXX. Subject loan is consolidating the 1st and 2nd liens with estimated cash back to borrower of XXXX.<br> LENDER EXCEPTION In file- Exception for Cash out refi when subject property recently had a cash out within 6 months. Exception for one unit being 342 Sq feet.<br> - Due Diligence Vendor-06/30/2025 |  | Waived-Originator exception granted to allow cash out loan with a previous cash out within six months, Non-material waiver applied with comp factors. non-material due to Combining first and second mortgage. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 682; minimum score 660.<br>Months Reserves exceed minimum required - 7.31 months PITIA reserves; 6 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4601043 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE8888 | 2025-07-14 12:31 | 2025-07-16 17:04 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved--Bank statements reflect payments made for prior 12 months. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Guidelines do not require the NOte. Guidelines only require payment history. Section 2.5.5 - Seller-07/15/2025 <br> Open-Missing a copy of the private note for lien not reporting on credit; per letter of explanation they do not give mortgage statements. XXXX needs to verify that the XXXX deduction on bk statements to support the mtg history shows XXXX pmts on the Note - Due Diligence Vendor-07/14/2025 | Ready for Review-Guidelines do not require the NOte. Guidelines only require payment history. Section 2.5.5 - Seller-07/15/2025<br>| Resolved--Bank statements reflect payments made for prior 12 months. - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4806905 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE1440 | 2025-06-27 09:50 | 2025-07-16 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-pmt history received, Loan can be 1 x 30 - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. We have a 12 month history. XXXX - XXXX. See guideline uploaded. Within 45 days - Seller-07/14/2025 <br> Ready for Review-The business bank statements that were used for income show the 260/mo. There is a green not on each bank statement. - Seller-06/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing 12 months primary residence paying off trust. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. We have a 12 month history. XXXX. See guideline uploaded. Within 45 days - Seller-07/14/2025 <br> Ready for Review-The business bank statements that were used for income show the 260/mo. There is a green not on each bank statement. - Seller-06/27/2025 | Resolved-pmt history received, Loan can be 1 x 30 - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584296 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE5782 | 2025-06-27 09:50 | 2025-07-16 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Credit report is dated within 10 days of closing doc's. GAP not needed - Seller-06/27/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Credit report is dated within 10 days of closing doc's. GAP not needed - Seller-06/27/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584297 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE5783 | 2025-06-27 09:50 | 2025-07-16 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Credit report is dated within 10 days of closing doc's. GAP not needed - Seller-06/27/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Credit report is dated within 10 days of closing doc's. GAP not needed - Seller-06/27/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584298 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE6763 | 2025-07-14 12:30 | 2025-07-16 14:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Upon further review, a lifetime Award Letter was located in the loan file. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Pension does not fall under the 90 days. See guidelines, Statement from the organization providing the income. That was provided. - Seller-07/15/2025 <br>Open-Pension documentation is dated over 90-days from the Note Date and exceeds the credit doc expiration limit for income documentation. - Due Diligence Vendor-07/14/2025 | Ready for Review-Pension does not fall under the 90 days. See guidelines, Statement from the organization providing the income. That was provided. - Seller-07/15/2025<br>| Resolved-Upon further review, a lifetime Award Letter was located in the loan file. - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4806885 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE1316 | 2025-06-27 10:06 | 2025-07-13 11:46 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided new guides to use. VVOE for S/E borrowers not required per GL - Due Diligence Vendor-09/04/2025 <br> Counter-Tax preparer does not state the name of the business and the length of ownership. Finding remainds. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Business assets are not being used in the transaction. This is a cash out - Seller-07/07/2025 <br> Counter-CPA letter provided, however it does not state the name of the business and the length of ownership - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Uploaded - Seller-06/27/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Business assets are not being used in the transaction. This is a cash out - Seller-07/07/2025 <br>Ready for Review-Uploaded - Seller-06/27/2025<br>| Resolved-Lender provided new guides to use. VVOE for S/E borrowers not required per GL - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584555 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE1325 | 2025-06-27 10:06 | 2025-07-13 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Missing Tax preparer license Pg 184 and validation Pg 277 - Due Diligence Vendor-09/04/2025 <br> Counter-Documentation was not attached. Please provide the Tax Preparer License verification. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. The Letter indicates they share the partnership equally, and the names is XXXX and XXXX which is also stated in the letter. - Seller-07/07/2025 <br> Counter-Please provide Tax Preparer Verification. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. The Letter indicates they share the partnership equally, and the names is XXXX and XXXX which is also stated in the letter. - Seller-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 | Resolved-Borrower 1 CPA Letter Missing Tax preparer license Pg 184 and validation Pg 277 - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584556 |
| XXXX | 200000669 | XXXX D A | Closed | FCRE7009 | 2025-06-27 09:41 | 2025-07-13 10:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Guaranteed Replacement costs. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received Guaranteed Replacement costs. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - 58.25% LTV; 75% max allowed<br>Months Reserves exceed minimum required - 22.3 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4584181 |
| XXXX | 200000642 | XXXX C A | Closed | FCRE1148 | 2025-07-02 09:22 | 2025-07-08 11:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Supplement reflecting sufficient coverage. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Supplement Report attached - Seller-07/03/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Preliminary Report in file missing insured loan coverage amount. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Supplement Report attached - Seller-07/03/2025<br>| Resolved-Received Title Supplement reflecting sufficient coverage. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 22.85%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 14.63mos reserves. Per guides, no reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4628744 |
| XXXX | 200000649 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000780 | XXXX D A | Closed | FCRE7497 | 2025-07-01 11:09 | 2025-07-03 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received 1st payment letter for 3b. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open--Need Mortgage Statement for account ending XXXX for REO Investment to confirm monthly PITIA - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received 1st payment letter for 3b. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 776<br>Months Reserves exceed minimum required - 542 mths reserves; 9 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4616028 |
| XXXX | 200000647 | XXXX D B A | Closed | FCRE1326 | 2025-07-03 10:17 | 2025-07-08 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received correct P&L. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached P&L - Seller-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached P&L - Seller-07/07/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing P&L incorrect /missing - date listed is XXXX, thus income was not not properly validated - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached P&L - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. Please see attached P&L - Seller-07/07/2025<br>| Resolved-Received correct P&L. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 6 months higher than 0 minimum <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 is higher than 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4649858 |
| XXXX | 200000647 | XXXX D B A | Closed | FCRE5782 | 2025-07-03 10:23 | 2025-07-08 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Please disregard first soft pull re attaching correct soft pull - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-07/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap report. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please disregard first soft pull re attaching correct soft pull - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-07/07/2025<br>| Resolved-Received Credit Refresh. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 6 months higher than 0 minimum <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 is higher than 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4649931 |
| XXXX | 200000647 | XXXX D B A | Closed | FCOM5135 | 2025-07-01 16:16 | 2025-07-01 16:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/01/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 6 months higher than 0 minimum <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 745 is higher than 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4622389 |
| XXXX | 200000650 | XXXX B A | Closed | FCOM5135 | 2025-07-07 16:10 | 2025-07-07 16:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 17.27mos reserves. Per guides, 4 reserves required <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO 712 score . Per guides, minimum score required 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4703886 |
| XXXX | 200000709 | XXXX D A | Closed | FCRE7806 | 2025-07-01 09:23 | 2025-07-08 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. please see income worksheet - Seller-07/07/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing Lender 12mos Bank Statements Worksheet - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. please see income worksheet - Seller-07/07/2025<br>| Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 20.63%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 8.66mos reserves. Per guides, 4 reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4613828 |
| XXXX | 200000710 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000645 | XXXX B A | Closed | FCOM5135 | 2025-06-27 14:13 | 2025-06-27 14:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 796 is Higher than minimum required 660<br>Months Reserves exceed minimum required - 9.26 reserves exceed minimum required 4 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4589323 |
| XXXX | 200000677 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000713 | XXXX D B A | Closed | FCRE5782 | 2025-07-03 21:22 | 2025-07-08 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-07/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-07/07/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 12.19 months is higher than 4 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 778 is higher than the minimum required 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4663686 |
| XXXX | 200000713 | XXXX D B A | Closed | FCOM5135 | 2025-07-02 14:54 | 2025-07-02 14:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/02/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 12.19 months is higher than 4 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 778 is higher than the minimum required 700 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4636920 |
| XXXX | 200000646 | XXXX D B C A | Closed | FCRE1510 | 2025-07-02 07:57 | 2025-07-11 15:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Please review the Exhibit A - Seller-07/10/2025 <br>Counter-Re-reviewed-missing legal description attached to security instrument. Please provide complete security instrument inclusive of schedule A legal description. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Please refer to pages 529-230. - Seller-07/07/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please review the Exhibit A - Seller-07/10/2025 <br>Ready for Review-Please refer to pages 529-230. - Seller-07/07/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4627842 |
| XXXX | 200000646 | XXXX D B C A | Closed | FCOM1206 | 2025-07-02 07:12 | 2025-07-08 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Please review the note. - Seller-07/07/2025 <br>Open-The Note is Missing -----The Note is Missing. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please review the note. - Seller-07/07/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-07/08/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4627555 |
| XXXX | 200000646 | XXXX D B C A | Closed | FCOM5135 | 2025-07-02 07:08 | 2025-07-02 07:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/02/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4627531 |
| XXXX | 200000664 | XXXX C B A | Closed | FCRE9501 | 2025-07-02 19:11 | 2025-07-08 15:39 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD reflecting zero cash required to close. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-07/06/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX. Assets are Insufficient. Assets not provided in the loan file. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please find the attached Post CD. - Seller-07/06/2025<br>| Resolved-Received PCCD reflecting zero cash required to close. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 42.18%. <br>LTV is less than guideline maximum - Qualifying LTV 68.19% less than max allowed 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4644995 |
| XXXX | 200000664 | XXXX C B A | Closed | FCOM5135 | 2025-07-01 13:17 | 2025-07-01 13:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 42.18%. <br>LTV is less than guideline maximum - Qualifying LTV 68.19% less than max allowed 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 4618800 |
| XXXX | 200000681 | XXXX D A | Closed | FCRE1510 | 2025-07-07 05:49 | 2025-07-14 14:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. DOT Attached - Seller-07/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. DOT Attached - Seller-07/14/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - 7.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 17.21%. Per guides, maximum DTI 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4673355 |
| XXXX | 200000681 | XXXX D A | Closed | FCRE7806 | 2025-07-07 15:56 | 2025-07-11 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Lender Worksheet attached - Seller-07/11/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Lender Worksheet attached - Seller-07/11/2025<br>| Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 7.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 17.21%. Per guides, maximum DTI 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4700538 |
| XXXX | 200000681 | XXXX D A | Closed | FCRE5782 | 2025-07-07 16:00 | 2025-07-11 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-07/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-07/10/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 7.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 17.21%. Per guides, maximum DTI 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4701315 |
| XXXX | 200000681 | XXXX D A | Closed | FCRE5116 | 2025-07-09 17:05 | 2025-07-11 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received validation borrower living rent free and VOM to confirm no bailout. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-We have a rent free letter in file and the mortgage is under the parent's name please waive this condition - Seller-07/11/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per borrower's explanation letter, he has been making the payments on the subject's mortgage. Payment history provided, however, the payment history does not show who/where those payments originated from. Missing 12 mos cancelled checks or bank statements showing the borrower has been making the mortgage payments. - Due Diligence Vendor-07/09/2025 | Ready for Review-We have a rent free letter in file and the mortgage is under the parent's name please waive this condition - Seller-07/11/2025<br>| Resolved-Received validation borrower living rent free and VOM to confirm no bailout. - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 7.32mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 17.21%. Per guides, maximum DTI 49.99%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4756588 |
| XXXX | 200000648 | XXXX B A | Closed | FCOM5135 | 2025-07-10 19:46 | 2025-07-10 19:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 11.03 months are higher than minimum required 4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 is higher than Guideline Min FICO of 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4775806 |
| XXXX | 200000708 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000657 | XXXX D A | Closed | FCRE5782 | 2025-07-07 17:38 | 2025-07-11 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-07/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Soft pull attached - Seller-07/10/2025<br>| Resolved-Received Credit Refresh. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - Borr LTV 74.94%. Per guides, maximum LTV 80%.<br>Qualifying DTI below maximum allowed - Borr DTI 20.45%. Per guides, maximum DTI 49.99%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4710789 |
| XXXX | 200000775 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000652 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000773 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000798 | XXXX C B A | Closed | FCRE1491 | 2025-07-10 10:26 | 2025-07-11 16:33 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt of EMD gift. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence that wired funds to escrow for the EMD of XXXX are from the Donor on the gift letter. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Received title receipt of EMD gift. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 736; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 70%; max 80% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4764477 |
| XXXX | 200000798 | XXXX C B A | Closed | FCOM5135 | 2025-07-06 20:55 | 2025-07-06 21:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 736; minimum required 660<br>LTV is less than guideline maximum - Qualifying LTV 70%; max 80% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4671986 |
| XXXX | 200000655 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000663 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000659 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000675 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000662 | XXXX B A | Closed | FCOM5135 | 2025-07-11 14:05 | 2025-07-11 14:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - 7.6mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - Borr DTI 25.09%. Per guides, maximum DTI 49.99%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4789834 |
| XXXX | 200000774 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000794 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000758 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000811 | XXXX C A | Closed | FCRE1510 | 2025-07-30 07:23 | 2025-07-31 16:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please note that TD indicated Exhibit A – the legal description – should be attached on page 4 of TD. Typically, legal descriptions appear as the last page of the TD, along with any other attachments (if applicable). I have uploaded the recorded TD with the legal description attached.<br>- Seller-07/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal to the Mortgage - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please note that TD indicated Exhibit A – the legal description – should be attached on page 4 of TD. Typically, legal descriptions appear as the last page of the TD, along with any other attachments (if applicable). I have uploaded the recorded TD with the legal description attached.<br>- Seller-07/30/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 724 is higher than the required 640<br>Qualifying DTI below maximum allowed - DTI 31.60% is lower than allowable 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4990460 |
| XXXX | 200000815 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000814 | XXXX C A | Closed | FCRE1510 | 2025-07-21 11:21 | 2025-07-29 17:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. There was legal description attached to the TD with closing packages - page 398 of 474. Please note that legal description was recorded with TD. I uploaded the recorded TD. - Seller-07/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description (Exhibit A) attached to mortgage. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. There was legal description attached to the TD with closing packages - page 398 of 474. Please note that legal description was recorded with TD. I uploaded the recorded TD. - Seller-07/25/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - > 10 months vs. 4 required<br>LTV is less than guideline maximum - 70% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 730 vs. min FICO @ 70% LTV = 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4887583 |
| XXXX | 200000817 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 200000813 | XXXX D A | Closed | FCRE1506 | 2025-07-27 16:24 | 2025-08-06 15:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the following documents for the REO's listed on the Final 1003. REO 3B missing verification of HOI premium, REO 3c missing VOM, Verification of P&I and verification of HOI premium. Audit used lender figures reflected on 1003. Additional conditions may apply. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/06/2025<br>| LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 68.92%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 803. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4959448 |
| XXXX | 200000813 | XXXX D A | Closed | FCRE1440 | 2025-07-27 16:12 | 2025-08-06 15:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history for REO 3C as reflected on the Final 1003. Additional conditions may apply. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Received VOM. - Due Diligence Vendor-08/06/2025<br>| LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 68.92%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 803. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4959442 |
| XXXX | 200000813 | XXXX D A | Closed | FCRE7497 | 2025-07-27 16:25 | 2025-08-06 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Open-Missing the following documents for the REO's listed on the Final 1003. REO 3B missing verification of HOI premium, REO 3c missing VOM, Verification of P&I and verification of HOI premium. Audit used lender figures reflected on 1003. Additional conditions may apply. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Received PITIA validation - Due Diligence Vendor-08/06/2025<br>| LTV is less than guideline maximum - Guidelines allow LTV to 80%. Subject loan LTV is 68.92%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 803. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4959450 |
| XXXX | 200000816 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 200000812 | XXXX C A | Closed | FCRE1178 | 2025-07-27 17:49 | 2025-07-30 09:21 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Received PCCD reflecting disbursement date of XXXX - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Missing proof of the additional hazard insurance for the subject property in effect at the time of closing, as the Closing Disclosure reflects the loan funded XXXX. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received PCCD reflecting disbursement date of 7/2 - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - Max LTV is 80%- Borrower's LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 776 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4959558 |
| XXXX | 200000812 | XXXX C A | Closed | FCRE1159 | 2025-07-27 17:49 | 2025-07-30 09:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD reflecting disbursement date of XXXX - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Missing proof of hazard insurance for the subject property in effect at the time of closing, as the Closing Disclosure reflects the loan funded XXXX. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received PCCD reflecting disbursement date of 7/2 - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - Max LTV is 80%- Borrower's LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 776 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4959557 |
| XXXX | 200000715 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000716 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 200000682 | XXXX C A | Closed | FCRE1254 | 2025-07-24 07:43 | 2025-07-29 17:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received affidavit not one in the same. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Open-Property Title Issue Title Schedule B item 12 - There appear of record numerous judgments and/or liens against B1 / or other individuals with similar name. Per title an affidavit in recordable form, referring to the property to be insured, to be executed by B1, reciting that there are no judgments and/or liens against him/her, and reciting that affiant is not a debtor in bankruptcy. Document was not provided. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received affidavit not one in the same. - Due Diligence Vendor-07/29/2025<br>| LTV is less than guideline maximum - Guidelines allow LTV to 70%. Subject loan LTV is 65%.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 74 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4929705 |
| XXXX | 200000787 | XXXX C A | Closed | finding-3634 | 2025-07-24 16:36 | 2025-07-30 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received XXXX COC, remaining balance is rounding. Finding resolved. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (VOE) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received XXXX COC, remaining balance is rounding. Finding resolved. - Due Diligence Vendor-07/30/2025 | Months Reserves exceed minimum required - 9.16 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 765 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4940328 |
| XXXX | 200000651 | XXXX B A | Closed | FCOM5135 | 2025-07-25 14:57 | 2025-07-25 14:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 11.99 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 758 and minimum allowed is 680. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4952116 |
| XXXX | 200000790 | XXXX C A | Closed | FCRE1148 | 2025-07-27 10:05 | 2025-07-29 17:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Escrow Instructions signed by Settlement Officer received. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Closing instructions clearly state what the lenders policy needs to be - Seller-07/29/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Report only in file. File is missing Commitment/Title Supp for Full Loan Amount - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. Closing instructions clearly state what the lenders policy needs to be - Seller-07/29/2025<br>| Resolved-Escrow Instructions signed by Settlement Officer received. - Due Diligence Vendor-07/29/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 36 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 712 Min FICO = 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4958971 |
| XXXX | 200000714 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 200000803 | XXXX D A C | Closed | FCRE1201 | 2025-07-29 09:40 | 2025-08-04 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Rep - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 748 <br>Months Reserves exceed minimum required - 22 mths reserves; 6 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4977260 |
| XXXX | 200000803 | XXXX D A C | Closed | FCRE1206 | 2025-07-31 16:52 | 2025-08-04 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists \*New\* Fraud report is missing the Settlement company, Settlement agent...etc. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Received Fraud report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 748 <br>Months Reserves exceed minimum required - 22 mths reserves; 6 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5014799 |
| XXXX | 200000803 | XXXX D A C | Closed | FCRE9996 | 2025-07-29 10:18 | 2025-08-01 17:19 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received Report. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. There are some items to repair but the engineer specifically states its safe and sound therefore Milestone Phase II would not be required. - Seller-07/31/2025 <br> Open-The file does not contain the required structural engineer report per XXXX law. Missing Inspection - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. There are some items to repair but the engineer specifically states its safe and sound therefore Milestone Phase II would not be required. - Seller-07/31/2025<br>| Resolved-Received Report. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 748 <br>Months Reserves exceed minimum required - 22 mths reserves; 6 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4977983 |
| XXXX | 200000803 | XXXX D A C | Closed | finding-3634 | 2025-07-28 09:22 | 2025-07-31 08:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC XXXX for discount points, remaining .45 is rounding. FInding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC XXXX for discount points, remaining .45 is rounding. FInding resolved. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 748 <br>Months Reserves exceed minimum required - 22 mths reserves; 6 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4962216 |
| XXXX | 200000717 | XXXX C A | Closed | FCRE1440 | 2025-07-31 16:00 | 2025-08-04 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation no XXXX housing history provided-consider 1x30. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. lates 1x30 - are allowed - Seller-08/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment being made for XXXX. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. lates 1x30 - are allowed - Seller-08/01/2025<br>| Resolved-Received confirmation no XXXX housing history provided-consider 1x30. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 698; minimum score 680.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.018 ; Minimum DSCR 0.75. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5013737 |
| XXXX | 200000808 | XXXX D A | Closed | FCRE1158 | 2025-08-04 11:31 | 2025-08-07 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Verification of Mortgage. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. :Policy paid at closing see CD - Seller-08/05/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Dec Page is missing Premium Amount - Audit used amount from 1st Payment Letter - XXXX - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. :Policy paid at closing see CD - Seller-08/05/2025<br>| Resolved-Received Verification of Mortgage. - Due Diligence Vendor-08/07/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 14 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 112 Months Minimum Credit History = 24 Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5042069 |
| XXXX | 200000718 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.2

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 200000744 | XXXX | XXXX C A D B |
| XXXX | 200000089 | XXXX | XXXX A |
| XXXX | 200000086 | XXXX | XXXX A |
| XXXX | 200000103 | XXXX | XXXX A |
| XXXX | 200000108 | XXXX | XXXX A |
| XXXX | 200000117 | XXXX | XXXX C A |
| XXXX | 200000126 | XXXX | XXXX C A |
| XXXX | 200000094 | XXXX | XXXX A |
| XXXX | 200000100 | XXXX | XXXX C A |
| XXXX | 200000746 | XXXX | XXXX A |
| XXXX | 200000096 | XXXX | XXXX A |
| XXXX | 200000114 | XXXX | XXXX D A |
| XXXX | 200000118 | XXXX | XXXX A |
| XXXX | 200000105 | XXXX | XXXX C A |
| XXXX | 200000095 | XXXX | XXXX A |
| XXXX | 200000097 | XXXX | XXXX A |
| XXXX | 200000102 | XXXX | XXXX A |
| XXXX | 200000092 | XXXX | XXXX C A B |
| XXXX | 200000093 | XXXX | XXXX A |
| XXXX | 200000098 | XXXX | XXXX A |
| XXXX | 200000104 | XXXX | XXXX C A |
| XXXX | 200000113 | XXXX | XXXX A |
| XXXX | 200000116 | XXXX | XXXX D A |
| XXXX | 200000110 | XXXX | XXXX A |
| XXXX | 200000619 | XXXX | XXXX A |
| XXXX | 200000087 | XXXX | XXXX A |
| XXXX | 200000090 | XXXX | XXXX D A |
| XXXX | 200000115 | XXXX | XXXX A |
| XXXX | 200000120 | XXXX | XXXX C A |
| XXXX | 200000091 | XXXX | XXXX A |
| XXXX | 200000107 | XXXX | XXXX C A |
| XXXX | 200000112 | XXXX | XXXX C A |
| XXXX | 200000621 | XXXX | XXXX A |
| XXXX | 200000620 | XXXX | XXXX D A |
| XXXX | 200000111 | XXXX | XXXX C A |
| XXXX | 200000099 | XXXX | XXXX C A |
| XXXX | 200000106 | XXXX | XXXX A |
| XXXX | 200000109 | XXXX | XXXX A |
| XXXX | 200000101 | XXXX | XXXX C A |
| XXXX | 200000121 | XXXX | XXXX C A |
| XXXX | 200000124 | XXXX | XXXX D A |
| XXXX | 200000088 | XXXX | XXXX A |
| XXXX | 200000122 | XXXX | XXXX A |
| XXXX | 200000123 | XXXX | XXXX A |
| XXXX | 200000125 | XXXX | XXXX A |
| XXXX | 200000676 | XXXX | XXXX A B |
| XXXX | 200000665 | XXXX | XXXX A B |
| XXXX | 200000673 | XXXX | XXXX A |
| XXXX | 200000643 | XXXX | XXXX A B |
| XXXX | 200000660 | XXXX | XXXX A |
| XXXX | 200000750 | XXXX | XXXX C A B |
| XXXX | 200000669 | XXXX | XXXX D A |
| XXXX | 200000642 | XXXX | XXXX C A |
| XXXX | 200000649 | XXXX | XXXX A |
| XXXX | 200000780 | XXXX | XXXX D A |
| XXXX | 200000647 | XXXX | XXXX D B A |
| XXXX | 200000650 | XXXX | XXXX A B |
| XXXX | 200000709 | XXXX | XXXX D A |
| XXXX | 200000710 | XXXX | XXXX A |
| XXXX | 200000645 | XXXX | XXXX A B |
| XXXX | 200000677 | XXXX | XXXX A |
| XXXX | 200000713 | XXXX | XXXX D B A |
| XXXX | 200000646 | XXXX | XXXX C D A B |
| XXXX | 200000664 | XXXX | XXXX C B A |
| XXXX | 200000681 | XXXX | XXXX D A |
| XXXX | 200000648 | XXXX | XXXX A B |
| XXXX | 200000708 | XXXX | XXXX A |
| XXXX | 200000657 | XXXX | XXXX D A |
| XXXX | 200000775 | XXXX | XXXX A |
| XXXX | 200000652 | XXXX | XXXX A |
| XXXX | 200000773 | XXXX | XXXX A |
| XXXX | 200000798 | XXXX | XXXX C B A |
| XXXX | 200000655 | XXXX | XXXX A |
| XXXX | 200000663 | XXXX | XXXX A |
| XXXX | 200000659 | XXXX | XXXX A |
| XXXX | 200000675 | XXXX | XXXX A |
| XXXX | 200000662 | XXXX | XXXX A B |
| XXXX | 200000774 | XXXX | XXXX A |
| XXXX | 200000794 | XXXX | XXXX A |
| XXXX | 200000758 | XXXX | XXXX A |
| XXXX | 200000811 | XXXX | XXXX C A |
| XXXX | 200000815 | XXXX | XXXX A |
| XXXX | 200000814 | XXXX | XXXX C A |
| XXXX | 200000817 | XXXX | XXXX A |
| XXXX | 200000813 | XXXX | XXXX D A |
| XXXX | 200000816 | XXXX | XXXX A |
| XXXX | 200000812 | XXXX | XXXX C A |
| XXXX | 200000715 | XXXX | XXXX A |
| XXXX | 200000716 | XXXX | XXXX A |
| XXXX | 200000682 | XXXX | XXXX C A |
| XXXX | 200000787 | XXXX | XXXX A C |
| XXXX | 200000651 | XXXX | XXXX A B |
| XXXX | 200000790 | XXXX | XXXX C A |
| XXXX | 200000714 | XXXX | XXXX A |
| XXXX | 200000803 | XXXX | XXXX D C A |
| XXXX | 200000717 | XXXX | XXXX C A |
| XXXX | 200000808 | XXXX | XXXX D A |
| XXXX | 200000718 | XXXX | XXXX A |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 200000744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000086 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.96 | 43.96 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000108 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.56 | 39.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000126 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.87 | 58.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 200000096 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 3.1 | XXXX |
| XXXX | 200000114 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.04 | 49.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.1 | XXXX |
| XXXX | 200000118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 200000105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.17 | 51.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 200000097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 200000102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000092 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.67 | 76.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 200000093 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 200000098 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 200000104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 200000116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000110 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000619 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.77 | 64.77 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.13 | 34.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 200000115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.93 | 62.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 200000621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0011 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0011 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 4.5 | XXXX |
| XXXX | 200000106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000109 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.21 | 54.21 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.8 | XXXX |
| XXXX | 200000101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 200000121 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 200000124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.65 | 68.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000088 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.64 | 63.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.27 | 68.27 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 200000123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.8 | 58.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.51 | 69.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 200000665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.93 | 69.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000660 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000750 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.69 | 74.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000669 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.25 | 58.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000642 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.07 | 59.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 200000780 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0714 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 200000710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 200000645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 200000646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000664 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.19 | 68.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000681 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.0 | 79.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 200000648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.12 | 71.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | 200000708 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 41.67 | 41.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.94 | 74.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000773 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 200000655 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.55 | 74.55 | XXXX | XXXX | -.0545 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0545 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | 200000663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 200000675 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.58 | 74.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 200000774 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.66 | 64.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000758 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000815 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 53.8 | 53.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.92 | 68.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000816 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.75 | 71.75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 200000812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000715 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.67 | 52.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 200000682 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000790 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 200000714 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | 200000803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 200000717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000808 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200000718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 86.13 | 86.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 200000744 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000089 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 200000086 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3930.5 | Yes | Employed | Retired | No | No | No |  |
| XXXX | 200000103 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8355 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4000.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000108 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9670 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4540.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000117 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7956.25 | 7.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6708.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000126 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7781.68 | 8.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29413.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000094 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 200000100 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 200000746 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000096 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000114 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000118 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000105 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000095 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000097 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000102 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000092 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000093 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000098 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000104 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | Yes |  | Yes | Present |
| XXXX | 200000113 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000116 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000110 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000619 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000087 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000090 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000115 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000120 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000091 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 200000107 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000112 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000621 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47878.54 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 200000620 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 50392.91 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 200000111 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000099 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000106 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000109 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 200000101 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000121 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000124 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000088 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000122 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000123 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000125 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000676 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9970 | 7.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20347.72 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000665 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11990 | 8.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19373.15 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000673 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 76730.47 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 200000643 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5295 | 7.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17432.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000660 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 102162.62 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 200000750 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000669 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16595 | 7.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5252.11 | N/A | Employed | Retired | No | No | No |  |
| XXXX | 200000642 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7419 | 7.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10790.6 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000649 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10067.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000780 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45131.89 | Yes | Not Employed |  | No |  | Yes | Present |
| XXXX | 200000647 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11863.76 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4820.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000650 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8545 | 7.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5069.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000709 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15548 | 7.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72966.36 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000710 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 8.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36144.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000645 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8919 | 7.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26375.84 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000677 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17790 | 8.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11488.65 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000713 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 29395 | 7.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 41255.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000646 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13556 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5056.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000664 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11295 | 8.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14642.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000681 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5219 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31487.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000648 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7360.82 | 7.322 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5432.9 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000708 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4248.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000657 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 34981.39 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 200000775 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000652 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9090 | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9186.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000773 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000798 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 7735 | 8.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6480.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000655 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000663 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12202.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000659 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 7.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8619.15 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000675 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8690 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17530.02 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000662 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15355 | 7.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26305.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000774 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000794 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000758 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000811 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24182.64 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 200000815 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32840.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000814 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25020 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 31822.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000817 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 31080 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29679.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000813 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7820 | 7.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34112.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000816 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32202.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000812 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7550 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15816.53 | N/A | Employed |  | No |  | No |  |
| XXXX | 200000715 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000716 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4572.51 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 200000682 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000787 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11897 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6076.9 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 200000651 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 10925 | 8.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12696.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000790 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11709.69 | 8.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13877.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000714 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000803 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 4330.44 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76112.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000717 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 200000808 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8408.91 | 9.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6328.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 200000718 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 14976 | 10.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6873.98 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.2

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 200000089 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 200000103 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 200000103 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000117 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000126 | XXXX | XXXX | Borrower 1 Origination TransUnion | creditLiabilitiesPage | 675 | 674 | Per credit report |
| XXXX | 200000094 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000096 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000114 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000118 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000105 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000095 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per Lender |
| XXXX | 200000097 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | per lender |
| XXXX | 200000102 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per Lender |
| XXXX | 200000092 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 76.67 | 74.59 | per final appraisal value |
| XXXX | 200000092 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 76.67 | 74.59 | per final appraisal value |
| XXXX | 200000092 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | true data is final appraisal value |
| XXXX | 200000104 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used latest guidelines |
| XXXX | 200000120 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Appraisal reflects Townhouse. |
| XXXX | 200000112 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 200000111 | XXXX | XXXX | Number of Units | propertyValuationPage | 4 | 1 | per appraisal report |
| XXXX | 200000111 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 200000099 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000106 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000109 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 200000123 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 200000673 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per PCCD |
| XXXX | 200000660 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.03 | 18.92 | Audit DTI includes primary PITI not present on lender 1008 |
| XXXX | 200000750 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 200000669 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 200000669 | XXXX | XXXX | Borrower 1 Middle Name | notePage | XXXX | XXXX | per note |
| XXXX | 200000642 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 59.33 | 59.78 | Audit CLTV 59.33% matches lenders per 1008 (subordinate solar lien on title) |
| XXXX | 200000642 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 200000780 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.33 | 19.71 | REO amnts differ (lender did not count add mtg on cred rep) |
| XXXX | 200000710 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 200000710 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 200000677 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 200000646 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 200000646 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 200000664 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 200000681 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 200000657 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 200000657 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 200000798 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subject is a Primary Residence |
| XXXX | 200000663 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 200000675 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 200000794 | XXXX | XXXX | Interest Rate | notePage | 6.625 | 0.0662 | Per Note |
| XXXX | 200000758 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per aprpaisal |
| XXXX | 200000811 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.65 | Not a DSCR LOAN |
| XXXX | 200000651 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | VOE | Per Income Worksheet |
| XXXX | 200000718 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 86.13 | 90.00 | loan amount/appraisal value |
| XXXX | 200000718 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per Appraisal |

---

## Exhibit 99.3

**Exhibit 99.3**

![](n5308clayton_img001.jpg)

![](n5308clayton_img002.jpg)

---

| |
|:---|
| **9/17/2025** |
| **Due Diligence Narrative Report** |

---

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;TPR Component Review Scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **8** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **11** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

 **

 ****

 **

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 1 September 17, 2025

&nbsp;&nbsp;**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](n5308clayton_img004.jpg) | **Ralph Fox** | Client Services Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](n5308clayton_img004.jpg) | **Joe Ozment** | Vice President of Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

&nbsp;&nbsp;**OVERVIEW**

On behalf of AmWest, Clayton conducted an independent third-party pre-securitization due diligence review of 52 residential loans.

On behalf of SG Capital, Clayton conducted an independent third-party pre-securitization due diligence review of 11 residential loans.

Loan Funding Structure III LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2025-NQM9 transaction.

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

&nbsp;&nbsp;**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;51 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;10 | &nbsp;&nbsp;15.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

---

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 2 September 17, 2025

SAMPLING

For all originators in this transaction, 98.41% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;62 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;63 |  |

---

\*1 loan was not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

LOAN GRADING

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

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

TPR COMPONENT REVIEW SCOPE

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

CREDIT REVIEW

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

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

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

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 3 September 17, 2025

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

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

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

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (63 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (25 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;● AVM

&nbsp;&nbsp;&nbsp;&nbsp;● BPO

&nbsp;&nbsp;&nbsp;&nbsp;● Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;● Field Review

&nbsp;&nbsp;&nbsp;&nbsp;● Second Full Appraisal

47 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2025-NQM9 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

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

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

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

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 4 September 17, 2025

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope.

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 5 September 17, 2025

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

● Sufficiency of coverage

● Escrow of insurance payments

DATA INTEGRITY

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

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

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

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

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

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 6 September 17, 2025

DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum ("ASF"). The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**DATA COMPARE RESULTS**

Clayton provided Loan Funding Structure III LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;6 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Borrower 2 First Time Home Buyer | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.83% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.83% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.83% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.65% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;92.06% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;11 | &nbsp;&nbsp;82.54% |

---

**CLAYTON DUE DILIGENCE RESULTS**

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

**Initial and Final Overall Loan Grade Results\*** 

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 7 September 17, 2025

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

**Initial and Final Credit Component Grade Results**

**Initial and Final Property Valuation Grade Results**

**Initial and Final Regulatory Compliance Grade Results\***

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived Conditions Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. NON-ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Attestation Forms

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 8 September 17, 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Standard Upload

**APPENDIX A: CREDIT REVIEW SCOPE**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit
 score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income
 and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets
 and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 eligibility, including:

– Citizenship status

– Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction
 eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Compared IRS tax transcripts to income documentation and noted any inconsistencies

– Income was recalculated and was documented with applicable documentation, including:

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 9 September 17, 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award letters

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Settlements statements

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

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 10 September 17, 2025

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

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

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

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

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

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

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 11 September 17, 2025

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 12 September 17, 2025

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 13 September 17, 2025

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

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

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

**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance
categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the
disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 14 September 17, 2025

accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days
prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after
July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment Schedule Accuracy:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Amount Financed

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&nbsp;&nbsp;&nbsp;&nbsp;● Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;● Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;● Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;● Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;● Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related Documentation

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

---

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

---

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---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |

---

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 18 September 17, 2025

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

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

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

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

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

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

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

BRAVO 2025-NQM9 Due Diligence Narrative Report Page \| 19 September 17, 2025

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *63* |
| ***Loans with Conditions:*** | *19* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **27 - Total Satisfied Conditions** |
| 25 - Credit Review Scope |
| 3 - Category: Application |
| 1 - Category: Assets |
| 1 - Category: Credit/Mtg History |
| 2 - Category: DTI |
| 3 - Category: Income/Employment |
| 1 - Category: Insurance |
| 3 - Category: Legal Documents |
| 1 - Category: Re-Verifications |
| 9 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 2 - Compliance Review Scope |
| 1 - Category: Documentation |
| 1 - Category: Federal Higher-Priced |
| **5 - Total Waived Conditions** |
| 4 - Credit Review Scope |
| 2 - Category: Credit/Mtg History |
| 2 - Category: Terms/Guidelines |
| 1 - Property Valuations Review Scope |
| 1 - Category: Appraisal |

---

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

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *63* |
| ***Loans with Conditions:*** | *19* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 200000517 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2954 | Federal Higher-priced mortgage loan - Appraisal disclosure not timely | No | The file did not include evidence that a disclosure was provided within 3 business days of application or later determination of loan becoming higher priced. | Invalid Exception | Invalid Exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score is 712<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Qualifying DTI more than 10% below guideline maximum requirement. |
| 200000517 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower did not meet the minimum tradeline requirement. Borrower only had one verifiable tradeline outside of the verified rental payment history. The vile includes an approved waiver for tradeline requirements dated XXX | Exception made at origination for minimum tradeline requirement not being met. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score is 712<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Qualifying DTI more than 10% below guideline maximum requirement. |
| 200000517 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | The subject is zoned rural residential and guide allows a maximum XXX% LTV. The subject loan has an XXX% LTV. | The file includes an approved waiver for the rural residential at XXX% LTV. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score is 712<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Qualifying DTI more than 10% below guideline maximum requirement. |
| 200000519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | The XXX #XXX shown on the final 1003 with $XXX balance was not in the file. These funds are needed for closing and reserves. | Bank statement provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 35.23%, Guidelines allow 50%. |
| 200000519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing copy of tax cert used for qualifying subject property taxes. Audit used $XXX monthly tax escrow shown on the 1008 for calculation purposes. | Document provided to cure | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 35.23%, Guidelines allow 50%. |
| 200000519 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The internet search of the XXX (XXX) or underwriter certification if there were no returns when attempting a search was not in the file. | Google search provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 35.23%, Guidelines allow 50%. |
| 200000629 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is less than the max of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months in reserves. |
| 200000630 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The loan file did not contain a copy of the Bank Statement Income Calculation Worksheet and documentation as to the expense factor used for qualifying income (third party expense ratio) Audit used the lender's income for calculation purposes. Using a 50% expense factor, the DTI ratio would exceed guidelines and does not appear borrower would not fall under the 20% fixed expense ratio as type of business would require equipment and office space (XXX) . DTI ratio is pending. | Business Narrative provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying Credit Score of 750 exceeds minimum required score of 660.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower's credit utilization is only 7.10%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years. |
| 200000630 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The loan file is missing the Business Narrative. | Document provided to satisfy. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying Credit Score of 750 exceeds minimum required score of 660.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower's credit utilization is only 7.10%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years. |
| 200000630 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Re-Verifications | Satisfied D A | CRDRVRFC2512 | Missing independent re-verification of employment | No | The loan file did not contain an internet search of the business, validation of a minimum of 2 years existence of the business and verification of percentage of ownership. | 6/18/2025: Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying Credit Score of 750 exceeds minimum required score of 660.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower's credit utilization is only 7.10%.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years. |
| 200000631 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years at current residence. |
| 200000584 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived D B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The credit report does not reflect any open or active mortgages. Per guidelines, No open or active mortgages reporting on credit will require a pre-approval. Pre-approval is missing from the file. The borrower is living rent free with spouse. | Waiver provided in the file for the subject property mortgage being paid in cash. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Fico score of 747 exceeds the minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months of reserves |
| 200000584 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The property dwelling coverage of $XXX is insufficient. The policy does not indicate replacement cost coverage. There was no RCE in the file and the total estimate of cost - new on the appraisal was not completed. | Invalid Exception | Invalid Exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Fico score of 747 exceeds the minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months of reserves |
| 200000584 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | The mortgage payments on the mortgage to be paid off was made with cash. | The file contains a waiver approval dated XXX for subject property mortgage having been paid in cash with VOM and LOE provided. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Fico score of 747 exceeds the minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months of reserves |
| 200000592 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The subject is vested in an entity XXX. The file was missing the certificate of formation/articles of organization and tax ID. | Document provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 751 credit score; minimum required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves |
| 200000602 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | An explanation for the inquiry (XXX XXX) on the credit report was not in the file. | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers have an 803 credit score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 25.01% DTI ratio. Maximum allowed is 45%. |
| 200000602 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The guides indicate a non-warrantable condo may not have more than 50% commercial space. In this case, the subject condo complex has 62% commercial space. | The file includes an approved waiver dated XXX for this issue. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers have an 803 credit score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 25.01% DTI ratio. Maximum allowed is 45%. |
| 200000603 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | The guidelines indicate tax preparer letter prepared by a PTIN is ineligible for the bank statement program. In this case, the tax preparer letter in file shows it was completed by a PTIN (PTIN on the letter) and verification provided for the tax preparer does not verify the PTIN but indicates the credential as AFSP. | Lender provided a business search for from XXX to confirm XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 733 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves |
| 200000632 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months of reserves. |
| 200000611 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The complete most recent 12 month payment history for XXX #XXX & XXX #XXX on the borrower's primary residence (XXX) was not located in the file. The XXX statement reflects the XXX and XXX payments. The XXX statement reflects the XXX through XXX payments. The borrower's bank statements show the XXX and XXX payments for both accounts. | Document provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below the max of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months of reserves |
| 200000127 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: : Median FICO > 83 points above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000128 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Final 1003 is missing the following properties: XXX, XXX, XXX and XXX. \*\*\*Properties are reflected on property detail reports and drive report (background)\*\*\* | 6/19/25 - Upon further review, it appears these properties were once owned by the borrower, but have been sold. | 6/19/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 127 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x113 consumer pay history meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x99 positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000129 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Foreign Nationals, Missing Automatic Payment (ACH) Authorization form | 5/8/25 - Lender provided a copy of the missing ACH Authorization form. | 5/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have >XXX months PITIA reserves above guideline minimum |
| 200000130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum |
| 200000131 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA reserves above guideline minimum |
| 200000132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Valid VISA with I-94 | 5/8/25 - Upon further review, the borrower qualifies to travel without the Visa from their home country. | 5/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum of XXX% |
| 200000132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing fully completed and executed ACH form per guideline. Borrower is a XXX. | 5/9/25 - Lender provided a copy of the missing executed Automatic Payment ACH Authorization form. | 5/9/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum of XXX% |
| 200000132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title5/9/25 - Documentation provided is not the title documents | 5/30/25 - Upon further review, the title policy was located within (pg 361) of the original loan documents. | 5/30/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum of XXX% |
| 200000133 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000134 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 122 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x19 months payment history meeting 12 month minimum guideline. |
| 200000135 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum. |
| 200000136 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has above XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum |
| 200000137 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Final 1003 to be corrected;1003 shows borrower as US Citizen with a Primary Address in XXX. | 5/27/25 - Per the lender - The address on final 1003 is the borrowers primary residence since he is a XXX. The address showing on REO section as borrowers second homes. This is still within guidelines; borrower has US address when applying a loan. | 5/27/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage History:0 x 30 x 13 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing executed ACH Form per guidelines. Borrower is a XXX. | 5/7/25 - Lender provided a copy of the completed ACH Authorization form. | 5/7/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > x months PITIA above guideline minimum. |
| 200000138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX showing Borrower's XXX is XXX per guideline. | 5/7/25 - Lender provided a copy of the LLC reflecting the borrowers as XXX of XXX. | 5/7/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > x months PITIA above guideline minimum. |
| 200000139 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived at current residence for XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x50 positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x377 consumer payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > 110.12 months PITIA above guideline minimum. |
| 200000140 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX as reflected on Title, Contract and Mortgage reflecting borrower as XXX per guidelines. . XXX documents in file are for XXX. | 5/27/25 - Lender provided a copy of the XXX reflecting the borrower as XXX of the XXX. | 5/27/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in their primary for the past XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 118 points above guideline minimum 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage History:0 x 30 x 73 months |
| 200000141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum |
| 200000142 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000143 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 87 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITIA above guideline minimum of XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower renting primary for the past XXX yearsVerification of rent show 0 x 30 x 24 months |
| 200000144 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 128 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x202 months consumer pay history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years and XXX months. |
| 200000145 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum |
| 200000146 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 177 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x116 months consumer payment history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x42 months positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000147 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing supporting documents VOM/12 month canceled checks. Subject is a refinance paying off mortgage. Mortgage is not reflected on the Credit report. | 5/21/25 - Lender provided a copy of the original note, copy of the payoff matching the final CD amounts to payoff the lien | 5/21/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 86 points above guideline minimum. |
| 200000148 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 167 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000149 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000150 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing completed and executed ACH form and completed Contact form as required per guideline for XXX. | 5/22/25 - Lender provided a copies of the missing ACH Authorization and contact forms. | 5/22/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum XXX% for Foreign National<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI above guideline minimum of XXX months. |
| 200000151 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum |
| 200000152 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has >XXX months PITIA reserves above guideline minimum |
| 200000153 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 184 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x150 consumer payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000154 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000155 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Vesting is in trust, missing trust documents or trust certification | 5/22/25 - Lender provided a copy of the missing Trust Certification | 5/22/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum |
| 200000156 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score >40 points above guideline minimum |
| 200000157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum |
| 200000158 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum |
| 200000159 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 middle credit score |
| 200000160 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITIA above guideline minimum of XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 92 points above guideline minimum of 700 |
| 200000161 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV > XXX points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000162 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 193 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x99 months positive mortgage payments meeting 12 month minimum per guideline. |
| 200000163 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 27x points above guideline minimum 700 |
| 200000164 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 100 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum |
| 200000165 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 89 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITI reserves above guideline minimum of XXX months. |
| 200000166 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITIA above guideline minimum of XXX months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned her primary for the last XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 96 points above guideline minimum of 700 |
| 200000167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 156 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000168 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has 0x30x70 months consumer payment history meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has 0x30x61 months positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 200000169 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000170 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in their primary home for the past XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 101 points above guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA reserves above guideline minimum of XXX months. |
| 200000171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Fraud Report. | 6/16/25 - Lender provided a copy of the missing DRIVE report. | 6/16/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000172 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA reserves above guideline minimum of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below guideline maximum XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 48 points above guideline minimum of 700. |
| 200000173 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 41 points above guideline minimum of 700 |
| 200000174 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 81 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > x months PITIA above guideline minimum. |
| 200000175 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Borrower LTV is XXX points below maximum guideline XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA reserves above guideline minimum of XXX months. |
| 200000176 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum |
| 200000177 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing completed and executed ACH per guideline. Borrower is a XXX. | 5/8/25 - Lender provided a copy of teh missing ACH Authorization form | 5/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: - Borrower has > XXX months PITIA above guideline minimum. |
| 200000177 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Lender's loan approval / Underwriting form 1008. | 5/8/25 - Lender provided a copy of teh missing 1008. | 5/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: - Borrower has > XXX months PITIA above guideline minimum. |
| 200000178 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score > 50 points above guideline minimum<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years in profession |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *63* |
| ***Loans with Conditions:*** | *19* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 200000517 | Yes | XXXXXX | XXXXXX C B | C | A C B | C | A | Yes |
| 200000519 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000629 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 200000630 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000631 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 200000584 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 200000592 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 200000602 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Yes |
| 200000603 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 200000632 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 200000611 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 200000127 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 200000128 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 200000129 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 200000130 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000131 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000132 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000133 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000134 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000135 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000136 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000137 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000138 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 200000139 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000140 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 200000141 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000142 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000143 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000144 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000145 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000146 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000147 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000148 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000149 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000150 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 200000151 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000152 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000153 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000154 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000155 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000156 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000157 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000158 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000159 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000160 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000161 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000162 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000163 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000164 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000165 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000166 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000167 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000168 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000169 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000170 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000171 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 200000172 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000173 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000174 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000175 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000176 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 200000177 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 200000178 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *63* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 200000517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.7176 | Yes | Yes | 2.984 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.63 | 27.63 | 27.63 | 27.63 | 27.63 | 27.63 | No | No | (No Data) | 8672.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2615 | Yes | Yes | 0.046 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Not Applicable | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.85 | 35.23 | 34.85 | 35.23 | 35.23 | 35.23 | No | No | (No Data) | 81822.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.15 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5571.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.21 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9750 | No | No | 0.149 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.85 | 43.49 | 0 | 43.49 | 43.49 | 43.49 | No | No | (No Data) | 24619.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd if amt prepd is >10% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4.5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3160.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3550.00 | 1.16 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 200000584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8766 | No | No | 9.966 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1522.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.01 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.5872 | No | No | 5.182 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2868.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.01 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 18 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2993 | Yes | Yes | 2.93 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.98 | 25.01 | 23.98 | 25.01 | 25.01 | 25.01 | No | No | (No Data) | 14553.19 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2626 | No | Yes | 2.38 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.88 | 45.63 | 28.88 | 45.63 | 45.63 | 45.63 | No | No | (No Data) | 8773.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7172.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2575.00 | No | (No Data) | 1.08 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2723 | No | No | 5.979 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11283.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3200.00 | 1.09 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1834.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2225.00 | No | (No Data) | 1.6191 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3536.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1200.00 | 1.7540 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2252.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2595.00 | No | (No Data) | 1.1520 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14578.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 200000131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4762.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4160.00 | No | (No Data) | 0.8735 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2689.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 0.8552 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3541.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.4942 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4540.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4500.00 | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2375.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 0.9490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14737.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 12000.00 | No | (No Data) | 1.0038 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2683.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2700.00 | 1.0061 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2998.4 | No | 0 | (No Data) | No | No | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5485.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.4959 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3565.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.2619 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12458 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1100.00 | No | (No Data) | 1.0054 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3725.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4200.00 | No | (No Data) | 1.9653 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2866.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0528 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2630.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1976 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2908.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2075.00 | No | (No Data) | 1.0415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1063.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1750.00 | 1.9748 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2412.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1950.00 | 1.1399 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1273.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1860.00 | No | (No Data) | 1.5410 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2141.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2699.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2295.00 | No | (No Data) | 0.8500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5854.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0371 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3014.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5922 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3283.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0024 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5654.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.2692 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3482.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3450.00 | 1.9905 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3787.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1394 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 200000157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8467 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3567.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.1026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4779.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1362 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5126.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1927 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5093.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5102.00 | No | (No Data) | 1.0016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 200000161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5642.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2190.00 | No | (No Data) | 1.0120 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 200000162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3330.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 0.9379 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9003 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3236.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3200.00 | 1.0011 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2223.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.1385 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.0000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1460.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1640 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2168.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0145 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2263.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2300.00 | 1.0992 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2173.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0923 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13260.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.0988 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1371.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.3491 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4170.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.2116 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2372.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0116 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2214.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1287 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1642.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1530.00 | No | (No Data) | 1.0174 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3078.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.8144 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4411.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1328 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2317.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 1.0572 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4590 | No | No | 1.697 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.22 | 43.22 | 43.22 | 43.22 | 43.22 | 43.22 | No | No | (No Data) | 5393.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *63* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 200000517 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10900.2 | XXXXXX | 8.7176 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 200000519 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1590 | XXXXXX | 7.2615 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 200000629 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000630 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2325 | XXXXXX | 7.975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 200000631 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 200000584 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8766 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000592 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5872 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000602 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7843.8 | XXXXXX | 8.2993 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 200000603 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6840 | XXXXXX | 8.2626 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 200000632 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000611 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.2723 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000127 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000128 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000129 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 200000130 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000131 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000132 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000133 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000134 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000135 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 200000136 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000137 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000138 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 200000139 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000140 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000141 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000143 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000144 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000145 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000146 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000147 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000148 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000149 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000150 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000151 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000152 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000153 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5922 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000154 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000155 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000156 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000157 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8467 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000158 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000159 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000160 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000161 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 200000162 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000163 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9003 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000164 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000165 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000166 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000167 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000168 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000169 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000170 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000171 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000175 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000177 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 200000178 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5095 | XXXXXX | 7.459 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |

---

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## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | BRAVO 2025-NQM9 |
| **Start - End Dates:** | 5/5/2025 - 7/9/2025 |
| **Deal Loan Count:** | 63 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *63* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 200000517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 200000519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 19.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 200000629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.83% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 200000592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.78% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 200000602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 200000603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 200000632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 200000127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 200000129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 200000131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 200000132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 200000134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 200000135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 200000137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 200000141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 200000142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200000147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 200000150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 200000153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 200000154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 200000156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 200000157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 200000160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 200000165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 200000166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 200000168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 200000172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 200000178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2025-NQM9** |
| **Start - End Dates:** | **5/5/2025 - 7/9/2025** |
| **Deal Loan Count:** | **63** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 1 |
| Property Valuations | Appraisal | PRVAAPPR4789 | Appraisal Deficiency | 1 |
| **Total** |  |  |  | **5** |

---

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

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | BRAVO 2025-NQM9 |
| **Start - End Dates:** | 5/5/2025 - 7/9/2025 |
| **Deal Loan Count:** | 63 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *63* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 200000127 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000129 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000129 | XXXXXX | Borrower 2 First Time Home Buyer | Yes | No |
| 200000132 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 200000134 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000136 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000139 | XXXXXX | Number of Units | 2 | 3 |
| 200000139 | XXXXXX | Property Type | 2 Family | 3 Family |
| 200000139 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000140 | XXXXXX | Borrower DSCR Percent | 1.4256 | 1.2619 |
| 200000142 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 200000143 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000147 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000148 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 200000149 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000152 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000155 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 200000158 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000162 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 200000175 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 200000517 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 200000519 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 200000519 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 200000519 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 200000519 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 200000629 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 200000629 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000630 | XXXXXX | Debt to Income Ratio (Back) | 30.6000 | 43.4905 |
| 200000584 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000592 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 200000592 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000602 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 200000602 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 200000603 | XXXXXX | Debt to Income Ratio (Back) | 28.8800 | 45.6270 |
| 200000603 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000632 | XXXXXX | Number of Units | 1 | 2 |
| 200000632 | XXXXXX | Property Type | SFR | 2 Family |
| 200000632 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 200000611 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| 200000611 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

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

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** |
| 200000517 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000519 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000629 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd if amt prepd is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000630 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000631 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd if amt prepd is >10% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000584 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000592 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 24 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000602 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000603 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000632 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000611 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000127 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000128 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000129 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000130 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000131 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000132 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000133 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000134 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000135 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000136 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000137 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000138 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000139 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000140 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000141 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000142 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000143 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000144 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000145 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000146 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000147 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000148 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000149 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000150 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000151 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000152 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000153 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/6 IO ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 84 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | SOFR 30 day average | 45 | 4.000 | N 1/8 | 11.8750 | 6.875 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 11.8750 | 6.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000154 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000155 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000156 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000157 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/6 IO ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 84 | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | SOFR 30 day average | 45 | 4.000 | N 1/8 | 12.3750 | 7.375 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 12.3750 | 7.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000158 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000159 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000160 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000161 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000162 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000163 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/6 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | SOFR 30 day average | 45 | 4.000 | N 1/8 | 12.5000 | 7.500 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 12.5000 | 7.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000164 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000165 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000166 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000167 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000168 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000169 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000170 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000171 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000172 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000173 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000174 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000175 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000176 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000177 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |
| 200000178 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 |

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 200000517 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 30 | 500.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 712 | 626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 712 | XXXXXX | XXXXXX | 27.42 | 27.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.12 | 8.12 | Fully Amortized | 8.375 | XXXXXX | 27.42 | 27.63 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B | A C B | C B | A | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) |
| 200000519 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 82 | 92280.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 778 | 774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 23.63 | 35.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.71 | 6.71 | Fully Amortized | 7.250 | XXXXXX | 23.63 | 35.23 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 200000629 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 67 | 20370.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 545 | 653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 653 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 60.93 | 60.93 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) |
| 200000630 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 30000.00 | 14 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 750 | 774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 35.91 | 43.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.84 | 7.84 | Fully Amortized | 7.875 | XXXXXX | 35.91 | 43.49 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 200000631 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 9 | 3000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 660 | 644 | XXXXXX | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) |
| 200000584 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 75 | 4000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 721 | 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 747 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.94 | 12.94 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000592 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 23000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 768 | 751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 751 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 115.91 | 115.91 | I/O Amount | 8.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 18 Months | (No Data) | (No Data) | (No Data) |
| 200000602 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 30000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 803 | 794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 824 | 800 | XXXXXX | XXXXXX | XXXXXX | 803 | XXXXXX | XXXXXX | 20.02 | 25.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 305.74 | 305.74 | Fully Amortized | 7.875 | XXXXXX | 20.02 | 25.01 | Asset Utilization | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | Personal Bank Statements - 2 months | Personal Bank Statements - 2 months | (No Data) | (No Data) |
| 200000603 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 91 | 15200.00 | 15 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 696 | 733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 733 | XXXXXX | XXXXXX | 17.66 | 45.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 96.88 | 96.88 | Fully Amortized | 7.875 | XXXXXX | 17.66 | 45.63 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 200000632 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 27847.00 | 14 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 620 | 601 | 651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 620 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 79.49 | 79.49 | Fully Amortized | 10.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000611 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 2500.00 | 19 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 685 | 669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 669 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.85 | 45.85 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) |
| 200000127 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 19200.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 723 | 729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.65 | 44.65 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000128 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 113 | 27500.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 767 | 764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 111.87 | 111.87 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000129 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.71 | 5.71 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 200000130 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 24 | 1500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 695 | 691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 691 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.61 | 19.61 | Fully Amortized | 9.250 | XXXXXX | 0 | 0 | NIVA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000131 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.01 | 6.01 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000132 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.02 | 9.02 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000133 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 101 | 18500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 714 | 704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 127.33 | 127.33 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000134 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 402 | 8000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 759 | 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.11 | 3.11 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000135 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.88 | 7.88 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 200000136 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 3000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 730 | 701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.97 | 35.97 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000137 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 33 | 3000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 730 | 701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.04 | 3.04 | Fully Amortized | 6.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000138 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.51 | 16.51 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 200000139 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 377 | 79510.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 785 | 752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 113.12 | 113.12 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000140 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 30000.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 804 | 819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 813 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.1 | 3.10 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000141 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 54 | 1252.00 | 19 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 673 | 665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 665 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.62 | 10.62 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000142 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 77 | 9300.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 721 | 726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.67 | 4.67 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000143 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 16 | 2500.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 791 | 787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.72 | 9.72 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000144 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 202 | 29500.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 773 | 738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 768 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 55.04 | 55.04 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000145 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 209 | 10000.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 818 | 780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.21 | 9.21 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000146 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 116 | 33000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 780 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.47 | 21.47 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000147 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 330 | 10400.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 731 | 726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.55 | 4.55 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000148 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 15000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 787 | 787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.63 | 6.63 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000149 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 4900.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 716 | 710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 64.71 | 64.71 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | NIVA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000150 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.55 | 10.55 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000151 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 134 | 30000.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 777 | 786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.96 | 4.96 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000152 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.67 | 10.67 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | NIVA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 200000153 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 150 | 21000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 797 | 808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.27 | 18.27 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000154 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 105 | 27000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 784 | 774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 86.87 | 86.87 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000155 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 98 | 14400.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 742 | 754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 754 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 58 | 58.00 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000156 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 22 | 2500.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 727 | 697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 702 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.14 | 44.14 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000157 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 211 | 18000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 835 | 800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 817 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.89 | 6.76 | Custom Qual. P&I | (No Data) | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000158 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 94 | 20000.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 790 | 755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.05 | 7.05 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000159 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 140 | 14300.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 794 | 775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.52 | 12.52 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000160 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 47 | 22700.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 792 | 777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 792 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.32 | 34.32 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000161 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 17 | 7000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 765 | 756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 756 | 738 | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.32 | 15.32 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 200000162 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 176 | 22000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 806 | 819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 813 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7 | 7.00 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000163 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 125 | 5500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 824 | 727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 727 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.39 | 4.17 | Fully Indexed, Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000164 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 149 | 15000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 820 | 809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 809 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.01 | 5.01 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000165 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 192 | 14000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 778 | 789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 789 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.63 | 18.63 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000166 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 114 | 44000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 816 | 767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 796 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 93.06 | 93.06 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000167 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 14 | 908.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 816 | 767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 796 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 95.09 | 95.09 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000168 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 14000.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 737 | 732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.01 | 46.01 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000169 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 218 | 13000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 763 | 777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 769 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 102.34 | 102.34 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 200000170 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 303 | 26000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 784 | 802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 111.04 | 111.04 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000171 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 115 | 15100.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 768 | 711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.32 | 7.32 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000172 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 171 | 16900.00 | 12 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 748 | 773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 748 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.57 | 61.57 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000173 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 229 | 30000.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 741 | 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.84 | 8.84 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000174 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 59 | 30000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 701 | 695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.62 | 11.62 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000175 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 61 | 15000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 762 | 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 762 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 55.9 | 55.90 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000176 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 160 | 19500.00 | 22 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 758 | 784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.41 | 14.41 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000177 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.06 | 9.06 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 200000178 | XXXXXX | XXXXXX | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 191 | 19000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 797 | 778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 30.4 | 43.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.36 | 11.36 | Fully Amortized | 7.250 | XXXXXX | 30.4 | 43.22 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Written VOE - 27 months | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.4

**Exhibit 99.4**

**EXECUTIVE SUMMARY**

BRAVO 2025-NQM9

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Loan Funding Structure III LLC (the "Client"). The Review was conducted from July 2025 on mortgage loans (the "Loans") originated in July 2025.

The Review consisted of 100% of the population of 1 loan with an original loan balance of $424,000.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application, and
all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt to income ratio ("DTI") / debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

![](maxwell_logo-a.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient coverage was in place on subject and all premiums were included in DSCR
calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage insurance certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease agreements and market rent, if applicable

![](maxwell_logo-a.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in ratios and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to cancel (if applicable)

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

![](maxwell_logo-a.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender
per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions, if made
known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and certificates (including certificates
of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy
of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a third-party
valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) reviewed the relative comparable data (gross
and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal
guidelines; (b) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (c verified
that comparable properties used are similar in size, style, and location to the subject, and (d) checked for the reasonableness of adjustments
when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
confirming the

![](maxwell_logo-a.jpg)

appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are discrepancies
that could not be resolved, MaxDiligence created an exception and work with the client on the next steps which may include ordering of
additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property
valuation products included in MaxDiligence's review result in a variance of more than 10% then the client was notified of such
variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed, to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements
of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards, including ensuring the
appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence 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.

**Compliance Review**

Not applicable.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Priority Non-QM Product Guide

![](maxwell_logo-a.jpg)

After giving consideration to the grading criteria of the relevant NRSROs, the loan received a an Overall "A" grade.

Final Loan Grades

---

| | | |
|:---|:---|:---|
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans by Loan Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** |  |  |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans by Loan Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** |  |  |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans by Loan Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary<sup>1</sup>** |  |  |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans by Loan Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

<sup>1</sup> No Compliance review was completed so loan was given an "A" grade.

![](maxwell_logo-a.jpg)

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

The 1 mortgage loan had a total of 1 different tape discrepancies across 1 data field (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |

---

![](maxwell_logo-a.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

![](maxwell_logo-a.jpg)

---

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

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 200000736 |  |  | XXXXXX | XXXXXX | XXXXXX NJ | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4957546 | 1 of 3 | 2025-07-26 14:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-07-26 14:43 | Cleared | 1 | 1 | 1 | 1 |
| 200000736 |  |  | XXXXXX | XXXXXX | XXXXXX NJ | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4957547 | 2 of 3 | 2025-07-26 14:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-26 14:43 | Cleared | 1 | 1 | 1 | 1 |
| 200000736 |  |  | XXXXXX | XXXXXX | XXXXXX NJ | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4957548 | 3 of 3 | 2025-07-26 14:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-07-26 14:43 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.4

---

| | |
|:---|:---|
| ![](maxwell_logo-b.jpg) |  |
| Client | Maxwell Diligence Solutions LLC |
| Transaction | BRAVO 2025-NQM9 |
| Date | 09/03/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 200000736 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 200000736 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** |
| 200000736 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 34.73% | 34.73% | 34.73% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 91.04% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXXXX | XXXXXX NJ | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 200000736 |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | NJ | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | NJ | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 57.6 | XXXXXX | 57.6 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional NA | XXXXXX | XXXXXX NJ | XXXXXX | XXXXXX | XXXXXX NJ | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 19.00 |  |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 200000736 |  |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | N/A | 0 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No | 4.7 | 1 | 1 | N/A | 57.58 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXX |

---

## Exhibit 99.4

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 200000736 |  |  | XXXXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](covius_logo.jpg)

Executive Summary <br> BRAVO 2025-NQM9

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

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by multiple Correspondent Sellers and acquired directly (or indirectly) by Loan Funding Structure III LLC through Reliance Letters. The loan reviews were conducted from January 2025 through July 2025 by CRES.

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

There were 111 assets in the loan population.

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |

---

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

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

The due diligence review was conducted on 100% of the loan population and consisted of 111 mortgage loans with an aggregate original principal balance of approximately $81,889,097. The mortgage loans originated from January 2025 through June 2025.

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

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

Page 1 of 11

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

**Credit Review and Methodology**

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

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

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

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

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

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

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

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

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

Page 2 of 11

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

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

**Property Valuation Review and Methodology**

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

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

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

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

Page 3 of 11

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

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

State and Federal High Cost and Higher Priced:

● Cook County High-Cost Ordinance

● Chicago High-Cost Ordinance

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

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

Qualified Mortgage (12 CFR § 1026.43)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

Page 4 of 11

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

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

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

Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

Revised Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 4.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan,

&nbsp;&nbsp;&nbsp;&nbsp;(ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully-

Page 5 of 11

indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

&nbsp;&nbsp;&nbsp;&nbsp;(i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review.

*The table below contains the TRID eligible breakdown for the loan population:*

 

 

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;68 | &nbsp;&nbsp;61.26% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;43 | &nbsp;&nbsp;38.74% |

---

**Document Review**

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

● Appraisal.

● Asset
 documentation.

● Business Purpose Certification
 (if applicable)

● Changed circumstance
 documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or
 flood insurance policies.

Page 6 of 11

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

● HUD
 from sale of previous residence.

● Homeownership
 counseling organizations disclosure.

● Income
 and employment documentation.

● Initial
 and final GFE's.

● Initial
 application (1003).

● Initial
 escrow disclosure.

● Initial
 TIL.

● Leases

● Loan
 Estimate(s).

● Market
 Rent supporting documentation

● Mortgage
 Insurance.

● Mortgage/Deed
 of Trust.

● Note.

● Notice
 of Special Flood Hazards.

● Sales
 contract.

● Tangible
 Net Benefit Disclosure.

● Title/Preliminary
 Title.

● Written
 List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape Data Compare

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

---

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

---

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

Of the 111 mortgage loans reviewed, fifty-three unique mortgage loans had at least one tape discrepancy across 21 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;86 | &nbsp;&nbsp;25 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;CLTV | &nbsp;&nbsp;108 | &nbsp;&nbsp;3 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Doc Level | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;DTI | &nbsp;&nbsp;87 | &nbsp;&nbsp;24 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;FICO | &nbsp;&nbsp;95 | &nbsp;&nbsp;16 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;110 | &nbsp;&nbsp;1 | &nbsp;&nbsp; 111 |

---

Page 7 of 11

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;Lien Position | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Loan Term | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;LTV | &nbsp;&nbsp;108 | &nbsp;&nbsp;3 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Note Type | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Occupancy | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Original Balance | &nbsp;&nbsp;107 | &nbsp;&nbsp;4 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;110 | &nbsp;&nbsp;1 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Property City | &nbsp;&nbsp;107 | &nbsp;&nbsp;4 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Property State | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Property Zip | &nbsp;&nbsp;109 | &nbsp;&nbsp;2 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;Purpose | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;111 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 111 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 80.18% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;80.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;19.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "B" or higher and 99.10% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &nbsp;&nbsp;99.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 97.30% of the mortgage loans by number have a Valuation grade of "A".

Page 8 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;108 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 77.48% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;86 | &nbsp;&nbsp;77.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;22.52% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;111 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;111 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;34 | &nbsp;&nbsp;30.63% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;68 | &nbsp;&nbsp;61.26% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;68 | &nbsp;&nbsp;61.26% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;37 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;58 | &nbsp;&nbsp;52.25% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;16 | &nbsp;&nbsp;14.41% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;24 | &nbsp;&nbsp;21.62% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;13 | &nbsp;&nbsp;11.71% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page 9 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;52.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;6 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;13 | &nbsp;&nbsp;20.97% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;15 | &nbsp;&nbsp;24.19% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;24 | &nbsp;&nbsp;38.71% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| **Forty-nine loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Forty-nine loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Forty-nine loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.6-0.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.8-.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1-1.1999** | &nbsp;&nbsp;31 | &nbsp;&nbsp;63.27% |
| &nbsp;&nbsp; **1.2-1.3999** | &nbsp;&nbsp;8 | &nbsp;&nbsp;16.33% |
| &nbsp;&nbsp; **1.4-1.5999** | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.41% |
| &nbsp;&nbsp; **1.6-1.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.8-1.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **=>2** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**49** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.70% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;16 | &nbsp;&nbsp;14.41% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;45 | &nbsp;&nbsp;40.54% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;43 | &nbsp;&nbsp;38.74% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| AL | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.50% |
| AZ | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.50% |
| CA | &nbsp;&nbsp;24 | &nbsp;&nbsp;21.62% |
| CO | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.70% |
| CT | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| FL | &nbsp;&nbsp;16 | &nbsp;&nbsp;14.41% |
| GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| HI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| IN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| KY | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| LA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| MD | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| MO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| NC | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| NE | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| NJ | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.21% |
| NM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| NV | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.70% |
| NY | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.41% |
| OR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| PA | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.60% |
| RI | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| SC | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.90% |
| TN | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| TX | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.41% |
| UT | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| VA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.80% |
| WA | &nbsp;&nbsp;7 | &nbsp;&nbsp;6.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**111** | &nbsp;&nbsp;**100.00%** |

---

Page 11 of 11

## Exhibit 99.5

**Rating Agency Grades: 9/5/2025**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXXX | 200000509 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000510 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000511 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000512 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000513 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000514 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000515 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000636 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000516 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000518 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000520 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000521 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000522 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000523 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000524 | XXXXXXXXXX D A C B |
| XXXXXXXXXX | 200000525 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000526 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000527 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000528 | XXXXXXXXXX B A |
| XXXXXXXXXX | 200000529 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000530 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000531 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000532 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000533 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000633 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000634 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000534 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000535 | XXXXXXXXXX A C D B |
| XXXXXXXXXX | 200000536 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000537 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000538 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000539 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000540 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000541 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000542 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000543 | XXXXXXXXXX B A |
| XXXXXXXXXX | 200000544 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000545 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000546 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000547 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000548 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000549 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000550 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000551 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000552 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000553 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000554 | XXXXXXXXXX D A |
| XXXXXXXXXX | 200000555 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000556 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000557 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000558 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000559 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000560 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000561 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000562 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000563 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000564 | XXXXXXXXXX A D |
| XXXXXXXXXX | 200000565 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000566 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000567 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000568 | XXXXXXXXXX D A C B |
| XXXXXXXXXX | 200000569 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000570 | XXXXXXXXXX A C |
| XXXXXXXXXX | 200000571 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000572 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000573 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000574 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000575 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000576 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000577 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000578 | XXXXXXXXXX D A |
| XXXXXXXXXX | 200000579 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000580 | XXXXXXXXXX D A |
| XXXXXXXXXX | 200000581 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000582 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000583 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000637 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000585 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000638 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000586 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000587 | XXXXXXXXXX A C |
| XXXXXXXXXX | 200000588 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000589 | XXXXXXXXXX D C A |
| XXXXXXXXXX | 200000590 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000635 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000591 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000593 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000594 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000595 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000596 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000597 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000598 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000599 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000600 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000601 | XXXXXXXXXX A C |
| XXXXXXXXXX | 200000604 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000605 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000606 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000639 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000607 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000608 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000609 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000610 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000640 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000612 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000613 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000614 | XXXXXXXXXX C A B |
| XXXXXXXXXX | 200000615 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000616 | XXXXXXXXXX A |
| XXXXXXXXXX | 200000617 | XXXXXXXXXX C A |
| XXXXXXXXXX | 200000618 | XXXXXXXXXX C A |

---

## Exhibit 99.5

**Rating Agency Exceptions Report: 9/5/2025**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXX | 200000509 | NY | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.0004 | 751 | 74.17% | XXXXXXXXX | 298736 | Credit | Condo/PUD | Need documentation verifying if condo is warrantable or non-warrantable. | 2/7/2025 - provide documentation showing lender determination that condo was warrantable or non warrantable.<br> 2/11/2025: Lender provided a project review waiver to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000509 | NY | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.0004 | 751 | 74.17% | XXXXXXXXX | 298782 | Credit | Condo/PUD | Provide a Condo HOA Questionnaire or evidence from the most recent TLS guidelines that this is not required for a XXXX-unit condo project. | 2/7/2025 - document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000510 | NY | Rate Term Refi | Non-Owner Occupied | Condo Attached | 0 | 1.0078 | 751 | 74.17% | XXXXXXXXX | 298716 | Credit | Asset Verification | Evidence of funds to close in the amount of $XXXX as well as XXXX months reserves are missing from the loan file. | 2/7/25 - received CD showing loan is cash out. Please provide final 1003 signed buy borrower, 1008, etc showing loan as cash out. Auditor to update XXXX and DTI Worksheet upon receipt of all docs.<br> 2/11/2025: CD from additional property provided to show cash out proceeds. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000510 | NY | Rate Term Refi | Non-Owner Occupied | Condo Attached | 0 | 1.0078 | 751 | 74.17% | XXXXXXXXX | 298850 | Credit | Title | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | 2/7/25 - document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000513 | AZ | Rate Term Refi | Non-Owner Occupied | Single Family Attached | 0 | 1.0268 | 758 | 67.21% | XXXXXXXXX | 300680 | Credit | VOM | According to the guidelines, no open and active mortgages reporting on credit will require a pre-approval. Borrower currently lives rent free and subject property mortgage is a private lender. | Preapproval for incomplete housing history approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000513 | AZ | Rate Term Refi | Non-Owner Occupied | Single Family Attached | 0 | 1.0268 | 758 | 67.21% | XXXXXXXXX | 300681 | Compliance | Required Document - GOV | The final Amortization Schedule is missing from the loan file. | 4/3/25 - document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300309 | Credit | Hazard Insurance | Provide verification that both of the Property Insurance policies for the subject property include at least XXXX months of rent loss coverage. | 3/20/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300314 | Credit | Age of Documentation - Credit | The CDA is dated XXXX and was expired at closing. | Invalid exception. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300315 | Property | Appraisal | The Appraisal Update and/or Completion Report does not verify that there was no damage to the subject property from the recent fire disaster in XXXX county. Provide a post-disaster inspection report or an updated Appraisal Update and/or Completion Report. | 3/20/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300316 | Credit | Debt Service Coverage Ratio | Provide current lease agreements for units XXXX, XXXX, and XXXX or verification that each unit is listed for rent. | The lease agreements provided are not for the subject property. The only lease applicable lease provided was XXXX. The lease for XXXX, XXXX and XXXX (ADU) is still missing. 03/25/25: An exception was approved for the guideline deviation. | Prior Mortgage History - No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 | Client Accepted B | 2 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300317 | Credit | Funds to Close | Provide asset documentation verifying 6 months of reserves. | 3/20/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300318 | Property | Appraisal | Page one of the appraisal indicates the subject property has been listed for sale in the prior XXXX months; however, the Addendum reflects "No prior sales, listings or transfers of ownership are noted within the prior XXXX month period". | 3/20/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000514 | CA | Rate Term Refi | Non-Owner Occupied | Three-Unit Property | 0 | 1.1508 | 779 | 74.25% | XXXXXXXXX | 300323 | Credit | Eligibilty | Per guidelines, using rental income from an ADU requires a lease with XXXX month evidence receipt of income. | 3/20/2025: The lease agreement provided was for XXXX which was not the XXXX. <br> 03/25/25: An exception was approved for the guideline deviation. | Prior Mortgage History - No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 | Client Accepted B | 2 |
| XXXXXXXXX | 200000516 | AL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0356 | 719 | 70.00% | XXXXXXXXX | 301231 | Credit | VOM | Document rent payment history via XXXX months proof of payment via cancelled checks, bank debits or institutional Fannie Mae approved VOR. VOR provided is not acceptable. | The VOR in file was an institutional VOR as it was signed by the leasing office. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000518 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0705 | 796 | 67.53% | XXXXXXXXX | 301925 | Credit | Credit | No open and active mortgages reporting on credit will require a pre-approval. | 05/28/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000518 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0705 | 796 | 67.53% | XXXXXXXXX | 301926 | Credit | Eligibilty | Subject property recently vacated by borrower requires proof of three months' rent or mortgage paid at new primary residence to consider the property under DSCR guidelines. Subject property refinance is ineligible if borrower is now rent free. | 5/28: The guideline requires proof of XXXX months' rent or mortgage paid at the borrower's new primary residence; however, the borrower is living rent free so an exception is required. 05/29/25: An exception was approved for the guideline deviation. | Credit Score - FICO is 796 guidelines allow min of 660. | Client Accepted B | 2 |
| XXXXXXXXX | 200000518 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0705 | 796 | 67.53% | XXXXXXXXX | 301927 | Property | Appraisal | Appraiser to confirm on Form 1007 that the ADU was not considered when determining market rent. | 05/28/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000518 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0705 | 796 | 67.53% | XXXXXXXXX | 301928 | Credit | Title Commitment | Provide an updated Title Commitment with proposed insured amount of $XXXX. | 05/28/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000518 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0705 | 796 | 67.53% | XXXXXXXXX | 301929 | Credit | VOM | Document subject property housing payment history via XXXX months proof of payment via cancelled checks, bank debits or institutional VOM. | 05/28/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000520 | IN | Purchase | Owner Occupied | PUD | 12.1 |  | 647 | 80.00% | XXXXXXXXX | 302185 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 6/13/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000520 | IN | Purchase | Owner Occupied | PUD | 12.1 |  | 647 | 80.00% | XXXXXXXXX | 302206 | Credit | 1008 | Provide an updated 1008 reflecting the income/ DTI to match the AUS finding and final 1003. | 6/13/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000523 | RI | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.5872 | 778 | 75.00% | XXXXXXXXX | 302406 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 6/19/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000524 | IL | Purchase | Non-Owner Occupied | Condo Attached | 12.51 |  | 801 | 75.00% | XXXXXXXXX | 302089 | Credit | Program Eligibilty | Per XXXX guidelines first time homebuyers are eligible on a primary residence only. Subject closed as an investment property. | 06/10/25: An exception was approved for the guideline deviation. | DTI - 12.51%, Months Of Reserves - XXXX, Credit Score - 801 | Client Accepted D B | 2 |
| XXXXXXXXX | 200000524 | IL | Purchase | Non-Owner Occupied | Condo Attached | 12.51 |  | 801 | 75.00% | XXXXXXXXX | 302090 | Credit | Income | The 4506-C Tax Transcripts are missing from the loan file. | 6/8/2025: XXXX used in lieu of XXXX |  | Cleared Exception D B | 1 |
| XXXXXXXXX | 200000524 | IL | Purchase | Non-Owner Occupied | Condo Attached | 12.51 |  | 801 | 75.00% | XXXXXXXXX | 302091 | Credit | Title Commitment | The Title Policy Amount of $XXXX is less than the Note amount of $XXXX based on the Commitment in file. | 6/8/2025: Updated title provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXX | 200000524 | IL | Purchase | Non-Owner Occupied | Condo Attached | 12.51 |  | 801 | 75.00% | XXXXXXXXX | 302092 | Credit | Program Eligibilty | Per 1003 borrower is living rent free; a rent free letter from the owner of the residence stating the borrower is living rent free and what the relationship is to the borrower is missing from the loan file. | 6/8/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXX | 200000526 | SC | Refi - Cash Out | Owner Occupied | PUD | 26.17 |  | 808 | 80.00% | XXXXXXXXX | 302424 | Property | Appraisal | According to the guidelines, a second appraisal is required for loan balances >$XXXX | Exception to use a CDA rather than a second appraisal for loan amounts > $XXXX approved by XXXX and in file. | Credit Score - 808, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXX | 200000526 | SC | Refi - Cash Out | Owner Occupied | PUD | 26.17 |  | 808 | 80.00% | XXXXXXXXX | 302438 | Credit | Loan Amount | Per guidelines loan amounts over $XXXX are limited to 75% LTV. Loan closed at 80% LTV. | Exception to go to 80% LTV with a loan amount >$XXXX approved by XXXX and in file. | Credit Score - 808, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXX | 200000528 | CO | Purchase | Owner Occupied | PUD | 21.14 |  | 776 | 31.89% | XXXXXXXXX | 302335 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 6/13/2025: Document provided to cure. |  | Cleared Exception B A | 1 |
| XXXXXXXXX | 200000531 | TX | Purchase | Owner Occupied | PUD | 36.88 |  | 790 | 51.32% | XXXXXXXXX | 302369 | Credit | Employment | Per guidelines for future income, the first paystub must be dated prior to the Note date. XXXX started new employment after Note date. | The loan file included an approved exception | Prior Mortgage History - No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 | Client Accepted B | 2 |
| XXXXXXXXX | 200000532 | AL | Purchase | Non-Owner Occupied | PUD | 0 | 1.0619 | 669 | 75.00% | XXXXXXXXX | 302122 | Credit | Asset Verification | Asset documentation allowable; Exchange traded Stocks/Bonds/Mutual Funds – XXXX% may be used for reserves • Vested Retirement Accounts – XXXX% may be considered for reserves. In this case, pledged asset to personal credit line for funds to close. | Exception granted dated XXXX is in file. | Months Of Reserves - XXXX months reserves | Client Accepted B | 2 |
| XXXXXXXXX | 200000533 | LA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0433 | 631 | 62.15% | XXXXXXXXX | 302250 | Credit | Title Commitment | The Title Policy Amount of $XXXX is less than the Note amount of $XXXX based on the Commitment in file. | 6/10/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000536 | CT | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.017 | 687 | 66.62% | XXXXXXXXX | 302042 | Credit | Program Eligibilty | The prepayment penalty term of a flat XXXX% for XXXX months is not an approved term. Per guidelines for a 1XXXX2 month term the approved amount is a flat XXXX%.or XXXX months advance interest. | 6/3: XXXX has agreed to clear. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000537 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0184 | 701 | 70.00% | XXXXXXXXX | 301914 | Credit | Program Eligibilty | The Prepayment term of XXXX% for XXXX months does not meet the guidelines; for a XXXX year term the flat PPP amount must be XXXX% or XXXX months advanced interest. | 06/02/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000538 | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0104 | 777 | 70.00% | XXXXXXXXX | 302562 | Credit | Credit | Provide verification from the subject HOA that there is not an HOA fee associated with the subject property PUD. | 6/27: XXXX has agreed to clear. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000541 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.579 | 784 | 44.99% | XXXXXXXXX | 302123 | Credit | Eligibilty | Provide a copy of the final Amortization Schedule. | 6/5/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000542 | AL | Purchase | Non-Owner Occupied | PUD | 0 | 1.0181 | 669 | 70.00% | XXXXXXXXX | 302300 | Credit | Credit - Eligiblity | An Exception Approval was placed in the loan file to allow the use of XXXX pledged from XXXX. | 05/23/2025. Client Approved Exception via email. Copy in loan file. | Product Type - DSCR is 1.02., Credit Score - 666 qualifying score is 10+ points > requirement. | Client Accepted B | 2 |
| XXXXXXXXX | 200000542 | AL | Purchase | Non-Owner Occupied | PUD | 0 | 1.0181 | 669 | 70.00% | XXXXXXXXX | 302304 | Credit | Eligibilty | Borrower has anXXXX type and does not meet the XXXX per guidelines. | 06/10/25: An exception was approved for the guideline deviation. | Product Type - DSCR is 1.02., Credit Score - 666 qualifying score is 10+ points > requirement. | Client Accepted B | 2 |
| XXXXXXXXX | 200000543 | AL | Rate Term Refi | Second Home | Single Family Detached | 3.95 |  | 779 | 75.00% | XXXXXXXXX | 302373 | Credit | LTV | Per the XXXX matrix, the LTV of 75% exceeds the max LTV of 70% for a 2nd home rural property. | 6/18/2025: XXXX Matrix which is used in conjunction with XXXX allows a max 75% for rural properties. <br> 6/20/2025: XXXX approved the LTV with comp factors. | Credit Score - 779 score, DTI - 3.95% DTI | Client Accepted B | 2 |
| XXXXXXXXX | 200000545 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.1784 | 778 | 80.00% | XXXXXXXXX | 302044 | Credit | Program Eligibilty | The prepayment penalty term of a flat XXXX% for XXXX months is not an approved term. Per guidelines for a XXXX month term the approved amount is a flat XXXX%.or XXXX months advance interest. | 6/6: XXXX has agreed to clear |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000546 | CA | Purchase | Owner Occupied | Single Family Detached | 46.56 |  | 815 | 63.08% | XXXXXXXXX | 302375 | Credit | Employment-Self Employment | CPA who provided the expense ratio did not prepare tax returns for the borrower. | The loan file included an approved exception | Credit Score - FICO is 815 guidelines allow min of 660. | Client Accepted B | 2 |
| XXXXXXXXX | 200000546 | CA | Purchase | Owner Occupied | Single Family Detached | 46.56 |  | 815 | 63.08% | XXXXXXXXX | 302382 | Compliance | Other | This loan failed the revised closing disclosure delivery date test (no waiting period required). Revised CD XXXX Receipt date is XXXX which is after the Final CD XXXX Receipt date of XXXX. Did not use the Receipt date for the Revised CD XXXX | 6/17/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000547 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.4444 | 724 | 64.00% | XXXXXXXXX | 302317 | Credit | Credit - Eligiblity | An exception approval was placed in the loan file to allow subject which is a XXXX unit SFR plus ADU, the main unit and ADU are very similar in size (XXXX sq ft. 1bed/1bath vs XXXX sq ft. 1bed/1bath) total XXXX sq ft. Both are leased, and rent from both are needed to qualify DSCR. Borrower lives rent free across the street from the subject. | Client Approved Exception on 05/21/2025. Copy in loan file. | LTV - 64% LTV is low. , Product Type - DSCR is 1.44. | Client Accepted B | 2 |
| XXXXXXXXX | 200000549 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.3087 | 792 | 75.00% | XXXXXXXXX | 301802 | Credit | Note | The PPP term of a XXXX% flat fee for a XXXX month term is not an approved term. For a flat fee structure it must be a XXXX% term. | XXXX ok with the PPP on this loan. | Credit Score - 792 | Client Accepted B | 2 |
| XXXXXXXXX | 200000551 | NY | Purchase | Non-Owner Occupied | Condo Attached | 23.75 |  | 771 | 80.00% | XXXXXXXXX | 302165 | Credit | Eligibilty | Per guidelines a separate guaranty signed by the borrower is required when the Note/ Deed are signed only as the Business Entity. However, a separate guaranty signed by the borrower was not provided in the loan file. | 6/9/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000551 | NY | Purchase | Non-Owner Occupied | Condo Attached | 23.75 |  | 771 | 80.00% | XXXXXXXXX | 302193 | Credit | Sales / Construction Contract | Per guidelines the purchase contract may not be assigned to the buyer from another party,. The original buyer was the borrower's XXXX and assigned the contract to XXXX. | Exception to use an assigned purchase contract approved by XXXX and in file. | DTI - 23.75% DTI, Credit Score - 771 score | Client Accepted B | 2 |
| XXXXXXXXX | 200000552 | GA | Purchase | Non-Owner Occupied | PUD | 0 | 1.201 | 684 | 75.00% | XXXXXXXXX | 302245 | Credit | Credit | Missing Final Amortization Schedule from the loan file. | 6/9/2025: Document provided to cure |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302000 | Credit | Final 1003 | The Final 1003 is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302001 | Credit | HUD-1 | The Final HUD-1 in the loan file is not executed. | 6/5: Provide the signed signature page of the HUD.<br> 6/8/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302002 | Credit | Note | The Note is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302003 | Credit | Occupancy | The Occupancy Certification form is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302004 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302005 | Credit | Credit - Eligiblity | The Borrower Certification of Business Purpose form is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302006 | Credit | Employment | A Personal Guarantee is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302030 | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000554 | NJ | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4376 | 749 | 75.00% | XXXXXXXXX | 302031 | Credit | Eligibilty | The Amortization Schedule is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000555 | FL | Purchase | Owner Occupied | PUD | 43.67 |  | 673 | 80.00% | XXXXXXXXX | 302365 | Credit | Credit - Eligiblity | A Verification of Employment from USRBP is missing from the loan file. | 6/17/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000555 | FL | Purchase | Owner Occupied | PUD | 43.67 |  | 673 | 80.00% | XXXXXXXXX | 302376 | Credit | Income | Missing bank statement income calculation worksheet. | 6/17/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000558 | NY | Purchase | Non-Owner Occupied | Single Family Detached | 16.59 |  | 777 | 75.00% | XXXXXXXXX | 302143 | Credit | Income | Non-Sufficient Funds (NSF) reflected on the bank statement must be considered. The underwriter must consider the financial strength of a self-employed borrower's business. Excessive NSF or overdraft activity may preclude the borrower from bank statement eligibility. Multiple NSF's are eligible if the following comp factors are present: • Most recent XXXX months- Max XXXX allowed in each XXXX month segment. In this case, the XXXX months business bank statements contained XXXX NSF's within XXXX months. | Exception for excessive NSF's approved by XXXX and in file. | DTI - 16.59% DTI, Months Of Reserves - XXXX months reserves, Credit Score - 777 score | Client Accepted B | 2 |
| XXXXXXXXX | 200000559 | PA | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.1865 | 729 | 75.00% | XXXXXXXXX | 302027 | Credit | Title Commitment | The Title Policy Amount of $XXXX is less than the Note amount of $XXXX based on the Commitment in file. | 6/2/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000564 | NM | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0069 | 766 | 80.00% | XXXXXXXXX | 301983 | Property | Appraisal | Lender to verify property type. Loan file states subject is a SFR but the appraisal zoning is classified as a PUD. Additional exceptions may apply upon review. | 06/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000565 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.2907 | 783 | 75.00% | XXXXXXXXX | 302115 | Credit | Hazard Insurance | The Property Insurance policy does not indicate the amount of Rental Dwelling coverage to verify a minimum of six months rent-loss. | 06/04/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000566 | PA | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.4524 | 792 | 70.00% | XXXXXXXXX | 301902 | Credit | Credit - Eligiblity | The 1003 shows the borrower has no primary housing expense. A rent free letter was not located in the file. The borrower has one open active mortgage (XXXX) on the credit report with no late payments | 05/27/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000567 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.5632 | 783 | 75.00% | XXXXXXXXX | 302032 | Credit | HUD-1 | The Final HUD-1 in the loan file is not signed by the borrower. | 6/8/2025: XXXX loan. Seller verified the document provided is final |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000567 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.5632 | 783 | 75.00% | XXXXXXXXX | 302033 | Credit | Hazard Insurance | The Hazard Insurance for the subject property does not reflect the amount of rent-loss coverage. | 6/2/2025: Rent loss coverage not required for the Loan Store. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000568 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 42.3 |  | 724 | 80.00% | XXXXXXXXX | 302693 | Credit | Credit Report | Per guidelines collections and charge-offs = XXXX months old with > $XXXX per occurrence must be paid in full prior to or at closing. | Exception to use XXXX% of balance as a payment rather than paying off collection approved by XXXX and in file. | Credit Score - 724 score, Months Of Reserves - XXXX months reserves | Client Accepted D B | 2 |
| XXXXXXXXX | 200000570 | TX | Purchase | Owner Occupied | Single Family Detached | 37.32 |  | 756 | 80.00% | XXXXXXXXX | 302187 | Compliance | Other | The loan file does not contain final amortization schedule. | 6/10/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000573 | WA | Purchase | Owner Occupied | Two-Unit Property | 42.67 |  | 753 | 80.00% | XXXXXXXXX | 302172 | Credit | Credit - Eligiblity | Loan contains a XXXX buydown paid by the seller, however, a Temporary Buydown Agreement signed at closing by the borrower and seller is missing from the loan file. | 6/9/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000573 | WA | Purchase | Owner Occupied | Two-Unit Property | 42.67 |  | 753 | 80.00% | XXXXXXXXX | 302210 | Credit | VOM | A XXXX month housing history is required. Borrowers living rent free with no open and active mortgages reporting on credit requires a preapproval. | 6/11/2025: Underwritten to DU which did not require. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301757 | Credit | Final 1003 | The Final 1003 is missing from the loan file. | 05/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301758 | Credit | Credit - Eligiblity | The Final Closing Disclosure is missing from the loan file. | 05/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301759 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 05/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301760 | Credit | Note | The Note is missing from the loan file. | 05/28/25: Provide the PPP Addendum signed by the borrower.<br> 6/2/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301762 | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage is missing from the loan file. | 05/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000580 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0876 | 804 | 80.00% | XXXXXXXXX | 301763 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 05/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000582 | CA | Purchase | Owner Occupied | Condo Attached | 48.28 |  | 803 | 75.00% | XXXXXXXXX | 302234 | Credit | Hazard Insurance | The Master Condo insurance policy or certificate is not included in the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000582 | CA | Purchase | Owner Occupied | Condo Attached | 48.28 |  | 803 | 75.00% | XXXXXXXXX | 302235 | Credit | Eligibilty | A XXXX month housing history is required. No open and active mortgages reporting or borowers living rent free require pre-approval. In this case, the borrower lives rent free with family. | 06/10/25: A pre-approval was provided for the housing history. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000588 | CA | Purchase | Owner Occupied | Condo Attached | 48.83 |  | 821 | 49.15% | XXXXXXXXX | 302036 | Credit | 1008 | The 1008 Transmittal Summary is missing from the loan file. | 06/05/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000588 | CA | Purchase | Owner Occupied | Condo Attached | 48.83 |  | 821 | 49.15% | XXXXXXXXX | 302069 | Credit | Condo/PUD | Evidence of the annual HOA fee is missing from the loan file. Audit calculated an annual amount of $3398 based on the amount credited on the final CD. Final DTI pending. | 06/05/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302176 | Credit | Final 1003 | The Final 1003 is missing from the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302177 | Credit | Credit - Eligiblity | Borrower's Identification or verification of the borrower's ID is missing from the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302178 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302179 | Credit | Occupancy | The Occupancy Certification form is missing from the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302180 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed in the loan file is not executed. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302183 | Credit | HUD-1 | The Final executed Closing Disclosure is missing from the loan file. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302195 | Compliance | Other | This loan failed the charges that in total cannot increase more than XXXX% test. The initial LE reflects the charges that cannot increase by XXXX% as $XXXX, however the final CD reflects the charges that cannot increase by XXXX% as $XXXX, an increase of $XXXX. A change of circumstance for the Inspection Fee is missing from the file; otherwise a refund of $XXXX is required to reduce the fee under the XXXX% tolerance. A reimbursement of $XXXX was provided, not enough for the Tolerance. | 6/11/2025: Borrower choose to get a home inspection, this was not a lender requirement. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000589 | HI | Purchase | Owner Occupied | PUD | 25.95 |  | 784 | 80.00% | XXXXXXXXX | 302196 | Compliance | Other | Consummation date is missing. | 06/10/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000591 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1261 | 745 | 75.00% | XXXXXXXXX | 301819 | Credit | Title Commitment | The Preliminary Title shows XXXX property tax liens (numbers XXXX, XXXX and XXXX on the exceptions) that were prior to the borrower's ownership of the property. Evidence these liens were cleared prior to closing is missing from the loan file. | 05/26/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000594 | UT | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.1565 | 746 | 75.00% | XXXXXXXXX | 302269 | Credit | Warranty Deed / Quit Claim Deed | A copy of the Warranty/ Grant Deed is missing from the loan file. | 6/13/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000612 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0051 | 811 | 74.07% | XXXXXXXXX | 302273 | Credit | Flood Certificate | The flood certificate for the subject property is missing from the loan file. | 6/17/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000612 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0051 | 811 | 74.07% | XXXXXXXXX | 302275 | Credit | Credit | The loan is vested in a Trust, however the trust documents are not included in the loan file. | 6/17/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000614 | NY | Purchase | Non-Owner Occupied | Single Family Detached | 4.81 |  | 794 | 75.00% | XXXXXXXXX | 302370 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 6/17/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000614 | NY | Purchase | Non-Owner Occupied | Single Family Detached | 4.81 |  | 794 | 75.00% | XXXXXXXXX | 302371 | Credit | Credit - Eligiblity | According to the underwriting guidelines for bank statement loans, a CPA, Enrolled Agent, chartered tax adviser or independent licensed accountant is allowed. However, a PTIN agent is not allowed. In this case, a PTIN agent reviewed and provided the borrower's ownership percentage. | 6/18/2025: XXXX allowing the PTIN with comp factors. | DTI - 4.81% DTI is low. , Reserves - Borrower has over XXXX months Reserves. | Client Accepted B | 2 |
| XXXXXXXXX | 200000636 | MD | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1163 | 688 | 75.00% | XXXXXXXXX | 302135 | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. | 6/8/2025: XXXX uses an internal form in lieu of the 1008 |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000636 | MD | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1163 | 688 | 75.00% | XXXXXXXXX | 302136 | Credit | VOM | Per guidelines a XXXX month housing history is required. No open and active mortgages reporting on initial credit requires preapproval. If borrower owns primary residence free and clear proof property taxes are paid current may be used to satisfy housing history. Private VOM's are not accepted unless supported with XXXX months of bank statements, cancelled check or bank debits. | 6/17/2025: Tax bill provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000636 | MD | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1163 | 688 | 75.00% | XXXXXXXXX | 302162 | Credit | Asset Verification | Evidence of funds to close and XXXX months reserves are missing from the loan file. | The bank statement for the account ending XXXX is missing from the file. <br> 6/19/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000636 | MD | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1163 | 688 | 75.00% | XXXXXXXXX | 302163 | Credit | Deed of Trust / Mortgage | The Deed of Trust does not contain a MERS MIN number. | This is a non-MOM loan with XXXX as the mortgagee so the DOT will not a MIN since it's not a MOM loan. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000527 | FL | Purchase | Second Home | Single Family Detached | 49.78 |  | 718 | 75.00% | XXXXXXXXX | 302518 | Credit | Eligibilty | The final Amortization Schedule was not included in the file. | 06/30/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000527 | FL | Purchase | Second Home | Single Family Detached | 49.78 |  | 718 | 75.00% | XXXXXXXXX | 302519 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 06/30/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000527 | FL | Purchase | Second Home | Single Family Detached | 49.78 |  | 718 | 75.00% | XXXXXXXXX | 302520 | Credit | LTV | The subject property is a XXXX purchase, however, the property is classified as XXXX, therefore the maximum LTV allowable is 70%. The loan was approved at 75% LTV. | Exception for a XXXX property at 75% LTV approved by XXXX and in file. | Credit Score - 718 score, Months Of Reserves - XXXX months reserves | Client Accepted B | 2 |
| XXXXXXXXX | 200000633 | PA | Purchase | Non-Owner Occupied | Single Family Detached | 11.15 |  | 795 | 80.00% | XXXXXXXXX | 302725 | Compliance | Required Document - GOV | Provide the final amoritization schedule for the loan file. | 07/07/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000633 | PA | Purchase | Non-Owner Occupied | Single Family Detached | 11.15 |  | 795 | 80.00% | XXXXXXXXX | 302740 | Credit | Property Type - Eligibility | Subject property is a unique property type which is ineligible. | 07/02/25: An exception was approved for the guideline deviation. | Prior Mortgage History - No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 | Client Accepted B | 2 |
| XXXXXXXXX | 200000634 | CA | Rate Term Refi | Owner Occupied | Single Family Detached | 41.69 |  | 728 | 65.00% | XXXXXXXXX | 302070 | Credit | Income - Borrower | The qualifying income was derived from business bank statements, however the XXXX statement from XXXX was not included in the loan file. | 6/12/2025: The statement from XXXX was provided. The XXXX statement is required. <br> 6/24: The statement from XXXX was provided but the XXXX statement is required.<br> 7/2: The statement from XXXXwas provided but the XXXX statement is required.<br> 07/09/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000634 | CA | Rate Term Refi | Owner Occupied | Single Family Detached | 41.69 |  | 728 | 65.00% | XXXXXXXXX | 302125 | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE XXXX reflects the Appraisal Fee as $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance was not included. | The change of circumstance from theXXXX disclosure was not provided. <br> 6/24/2025: The PCCD, letter to borrower and check was not received. Please re-upload. <br> 7/3/2025: Post consummation CD and refund provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXXX | 200000535 | CA | Purchase | Owner Occupied | Three-Unit Property | 41.48 |  | 804 | 80.00% | XXXXXXXXX | 302586 | Property | Appraisal | The Appraisal 1004D Final Inspection is missing from the loan file. | 6/26/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXX | 200000535 | CA | Purchase | Owner Occupied | Three-Unit Property | 41.48 |  | 804 | 80.00% | XXXXXXXXX | 302587 | Property | Appraisal | Per guidelines the minimum square footage per unit is XXXX sf. Unit XXXX is XXXX sf and Unit XXXX is XXXX sf. | Exception for unit's XXXX and XXXX being below the minimum square footage approved by XXXX and in file. | Credit Score - 804, Months Of Reserves - XXXX | Client Accepted D B | 2 |
| XXXXXXXXX | 200000535 | CA | Purchase | Owner Occupied | Three-Unit Property | 41.48 |  | 804 | 80.00% | XXXXXXXXX | 302588 | Compliance | Other | This loan failed the charges that cannot increase test. Appraisal Desk Review fee was added on Revised LE XXXXfor $XXXX. A change of circumstance was not included. | 6/26/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXX | 200000539 | AZ | Purchase | Owner Occupied | PUD | 21.64 |  | 777 | 80.00% | XXXXXXXXX | 302426 | Credit | Credit - Eligiblity | Per guidelines the existence of the borrower's business must be verified within XXXX calendar days prior to the note date using one of the following items:<br> From a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or<br> By verifying a phone listing and address for the borrower's business using the internet | 06/25/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000539 | AZ | Purchase | Owner Occupied | PUD | 21.64 |  | 777 | 80.00% | XXXXXXXXX | 302443 | Credit | Program Eligibilty | Per guidelines when the subject property is a flip transaction the property must be listed with a realtor and exposed on the MLS. Borrowers offered to purchase prior to the property being listed by the seller. | Exception for a flip transaction where the subject was not listed on the MLS approved by XXXX and in file. | DTI - 21.64% DTI is low. , Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXX | 200000553 | CO | Purchase | Non-Owner Occupied | Single Family Detached | 43 |  | 774 | 80.00% | XXXXXXXXX | 302524 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 07/15/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000553 | CO | Purchase | Non-Owner Occupied | Single Family Detached | 43 |  | 774 | 80.00% | XXXXXXXXX | 302525 | Credit | Credit - Eligiblity | Seller purchased subject property XXXX for $XXXX per appraisal. Contract is dated XXXX, so XXXX days short of the XXXX-day requirement per guidelines. With new sales price of $XXXX, price increased more than XXXX% since last sale less than XXXX days ago. | 05/27/2025. Client Approved Exception via email. Copy in loan file. | Credit Score - 774 qualifying score is 10+ points > requirement. , Years In Residence - Borrower has been living in primary residence for XXXX years. | Client Accepted B | 2 |
| XXXXXXXXX | 200000556 | NY | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.2855 | 704 | 65.00% | XXXXXXXXX | 302787 | Credit | Credit | According to the underwriting guidelines, borrowers living rent free may be considered on a case by case basis. Additionally, the XXXX matrix no open and active mortgages reporting on credit will require pre-approval. | 07/10/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000560 | AZ | Purchase | Owner Occupied | PUD | 15.52 |  | 764 | 75.00% | XXXXXXXXX | 302801 | Credit | Income | The subject loan program is XXXX and the borrower used private stock to qualify. | 07/08/25: An exception was approved for the guideline deviation. | Reserves - XXXX months of reserves, Reserves - 764 fico | Client Accepted B | 2 |
| XXXXXXXXX | 200000560 | AZ | Purchase | Owner Occupied | PUD | 15.52 |  | 764 | 75.00% | XXXXXXXXX | 302802 | Credit | Warranty Deed / Quit Claim Deed | The loan file does not contain the warranty deed. | 07/14/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000560 | AZ | Purchase | Owner Occupied | PUD | 15.52 |  | 764 | 75.00% | XXXXXXXXX | 302803 | Property | Appraisal | The loan file does not contain XXXX full appraisals (by XXXX different appraisers) as required for loan amount > $XXXX and LTV > 65. | 07/14/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000577 | AZ | Purchase | Non-Owner Occupied | Condo Attached | 37.48 |  | 744 | 80.00% | XXXXXXXXX | 302491 | Credit | Property Type - Eligibility | UW attestation clearly stating whether the project is warrantable or non-warrantable must be delivered with the file (A comment on the 1008 suffices). | 1008 verified warrantable condo. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000577 | AZ | Purchase | Non-Owner Occupied | Condo Attached | 37.48 |  | 744 | 80.00% | XXXXXXXXX | 302493 | Credit | Eligibilty | Non-Arm's-Length transactions are eligible for primary residence only, in this case, the subject is a non-owner occupied condominium being purchased from family members, | Exception granted is in file dated 06/10/2025 | DTI - 37.48% DTI, Months Of Reserves - XXXX months reserves, Credit Score - 744 score | Client Accepted B | 2 |
| XXXXXXXXX | 200000578 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 37.94 |  | 745 | 80.00% | XXXXXXXXX | 302789 | Credit | Income - Self Employment | The tax preparer verifying borrowers ownership of the business was prepared by a PTIN which is not allowed per XXXX Delivery Restriction overlay letter dated XXXX | 7/10: Need documentation verifying borrower's specific ownership percentage of business.<br> 7/15: XXXX verifies XXXX% ownership and XXXX verifies active business. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 200000583 | CA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4326 | 735 | 60.00% | XXXXXXXXX | 302529 | Credit | Credit | Borrowers do not meet continuity of obligation, which means at lease one borrower obligated on the new loan was also a borrower obligated on the existing mortgage loan. In this case, the borrowers are not obligated on the existing mortgage being paid at closing. The Borrowers were added to the LLC that the property is vested in (XXXX) as of XXXX. This property was acquired by their parents on XXXX and transferred to their LLC on XXXX prior to the borrowers being added to the LLC. An exception from XXXX dated XXXX was provided allowing this exception. | Waiver in file dated 5/22/2024 for the continuity of obligation issue. | Credit Score - 735, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXX | 200000583 | CA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4326 | 735 | 60.00% | XXXXXXXXX | 302541 | Credit | VOM | Borrowers live rent free with parents. The guides indicate this may be considered on a case by case basis. No waiver approval found in file for this issue. | 06/25/25: A pre-approval was provided for the housing history. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000583 | CA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.4326 | 735 | 60.00% | XXXXXXXXX | 302550 | Credit | Underwriting Condition Not Met | Certificate of Good standing for XXXX was not in the file. | 06/25/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 200000585 | WA | Purchase | Owner Occupied | Single Family Detached | 40.76 |  | 820 | 80.00% | XXXXXXXXX | 302508 | Compliance | Other | The loan file does not contain the final Amortization Schedule. | 06/30/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000585 | WA | Purchase | Owner Occupied | Single Family Detached | 40.76 |  | 820 | 80.00% | XXXXXXXXX | 302509 | Credit | Credit - Eligiblity | Retaining departure with no other rental properties. | Exception approved for retaining departure with no other rental properties. In addition, exception approved for use of rental income from online sources XXXX and XXXX. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000638 | KY | Purchase | Second Home | Single Family Detached | 29.04 |  | 697 | 80.00% | XXXXXXXXX | 302896 | Credit | Warranty Deed / Quit Claim Deed | The loan file does not contain the warranty Deed. | 07/15/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000587 | WA | Purchase | Non-Owner Occupied | Single Family Detached | 46.11 |  | 725 | 80.00% | XXXXXXXXX | 302499 | Compliance | Other | The loan file does not contain the final amortization schedule. | 6/27/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000635 | FL | Purchase | Owner Occupied | Single Family Detached | 9.4 |  | 681 | 80.00% | XXXXXXXXX | 302921 | Credit | Credit - Eligiblity | The borrower has collection account > $XXXX and less than XXXX years old and did not payoff before or at closing. LOX and credit report indicate borrower's identity was stolen and borrower has no knowledge of account.  | 07/10/25: An exception was approved for the guideline deviation. | DTI - 9.40% DTI, Reserves - XXXX months of reserves | Client Accepted B | 2 |
| XXXXXXXXX | 200000593 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 35.37 |  | 793 | 41.67% | XXXXXXXXX | 302309 | Credit | Occupancy | The Occupancy Certification Disclosure is missing from the loan file. | 6/19/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000593 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 35.37 |  | 793 | 41.67% | XXXXXXXXX | 302316 | Compliance | Other | This loan failed the charges that cannot increase test. Final Inspection Fee was added on Initial CD XXXX for XXXX. A change of circumstance dated XXXX was included , but the Fee was not included. | 6/19/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000596 | NC | Purchase | Second Home | PUD | 24.39 |  | 796 | 80.00% | XXXXXXXXX | 302699 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 07/10/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000599 | RI | Purchase | Second Home | Single Family Detached | 42.18 |  | 784 | 80.00% | XXXXXXXXX | 302611 | Credit | Occupancy | The Occupancy Certification form is missing from the loan file. | 7/1/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000599 | RI | Purchase | Second Home | Single Family Detached | 42.18 |  | 784 | 80.00% | XXXXXXXXX | 302612 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 7/1/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000599 | RI | Purchase | Second Home | Single Family Detached | 42.18 |  | 784 | 80.00% | XXXXXXXXX | 302641 | Credit | Occupancy | Loan closed as a XXXX home. Provide an LOE from the borrower why the property insurance policy contains Fair Rental Value and Coverage. | 07/08/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000601 | MO | Refi - Cash Out | Owner Occupied | Single Family Detached | 9.4 |  | 747 | 75.00% | XXXXXXXXX | 302647 | Compliance | Right of Rescission | Provide the Right of Rescission document for the loan file. | 07/03/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000607 | OR | Purchase | Owner Occupied | Single Family Detached | 49.29 |  | 728 | 80.00% | XXXXXXXXX | 302643 | Credit | Income | The IRS tax return transcripts verifying the XXXX and XXXX W2 income are not in file. | 7/1/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000610 | WA | Purchase | Second Home | Single Family Detached | 49.17 |  | 738 | 80.00% | XXXXXXXXX | 302897 | Credit | Employment | Verbal Verification of Employment for the borrower is not in the file | 07/15/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000640 | TN | Purchase | Owner Occupied | Single Family Detached | 38.53 |  | 707 | 67.31% | XXXXXXXXX | 302765 | Credit | Credit - Eligiblity | The Final Closing Disclosure is missing Page 5 out of 5. | 07/10/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000617 | CA | Purchase | Owner Occupied | Two-Unit Property | 49.2 |  | 748 | 80.00% | XXXXXXXXX | 302486 | Credit | Borrower Eligibilty | According to the underwriting guidelines, the maximum DTI allowed is XXXX%. In this case, the DTI is XXXX%, the lender did not include the borrower's departing residence taxes and insurance, however the ownership documentation provided for XXXX., shows borrower is the current owner which aligns with the initial 1003 where borrowers states he is owner and will depart residence and make that property his second home. A rent free letter was provided, however it shows the borrower's XXXX previously owned the property. | 7/18: Provide a copy of the deposited check verifying the check was from XXXX and business related. <br> 7/22/2025: XXXX is OK with this deposit based on the contract as it states XXXX payment + XXXX travel stipend will be paid within XXXX days of completion of services (term ending XXXX). |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000617 | CA | Purchase | Owner Occupied | Two-Unit Property | 49.2 |  | 748 | 80.00% | XXXXXXXXX | 302487 | Credit | Credit - Eligiblity | The Hazard Insurance premium amount for XXXX., is missing from the loan file. | 07/09/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000617 | CA | Purchase | Owner Occupied | Two-Unit Property | 49.2 |  | 748 | 80.00% | XXXXXXXXX | 302488 | Credit | Credit - Eligiblity | Verification of the CPA's active license is missing from the loan file. | 07/09/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000617 | CA | Purchase | Owner Occupied | Two-Unit Property | 49.2 |  | 748 | 80.00% | XXXXXXXXX | 302490 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 06/25/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 200000618 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 22.35 |  | 740 | 75.00% | XXXXXXXXX | 302515 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 06/26/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| **70** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXX | 200000511 | CA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.1736 | 779 | 69.59% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000512 | CA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.2353 | 779 | 69.59% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000515 | WA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.1103 | 779 | 70.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000521 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0031 | 778 | 70.68% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000522 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 21.3 |  | 740 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000525 | TX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.5019 | 792 | 30.80% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000529 | FL | Purchase | Owner Occupied | Single Family Detached | 35.45 |  | 779 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000530 | FL | Purchase | Second Home | Condo - Non-Warrantable | 21.3 |  | 805 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000534 | CA | Purchase | Owner Occupied | PUD | 31.97 |  | 770 | 73.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000540 | CO | Purchase | Owner Occupied | Condo Attached | 31.06 |  | 800 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000544 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 34.18 |  | 777 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000548 | NV | Purchase | Second Home | PUD | 32.91 |  | 752 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000550 | NV | Purchase | Non-Owner Occupied | PUD | 0 | 1.0079 | 735 | 68.38% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000557 | UT | Purchase | Owner Occupied | Single Family Detached | 48.84 |  | 770 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000561 | TX | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1472 | 657 | 70.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000562 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 37.68 |  | 793 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000563 | NE | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.0804 | 783 | 70.41% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000569 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 0 | 1.5874 | 783 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000571 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.5756 | 783 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000572 | WA | Purchase | Owner Occupied | PUD | 37.38 |  | 790 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000574 | TN | Purchase | Owner Occupied | PUD | 28.44 |  | 769 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000575 | WA | Purchase | Non-Owner Occupied | Single Family Detached | 19.59 |  | 806 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000576 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 40.43 |  | 750 | 64.91% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000579 | FL | Purchase | Owner Occupied | Condo Attached | 21.8 |  | 681 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000586 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.3736 | 812 | 65.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000590 | VA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1802 | 809 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000595 | CA | Purchase | Non-Owner Occupied | Condo - Non-Warrantable | 30.73 |  | 709 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000597 | VA | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.1354 | 809 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000598 | FL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.006 | 748 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000600 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 43.96 |  | 776 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000604 | NV | Purchase | Owner Occupied | PUD | 47.36 |  | 623 | 57.27% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000605 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.1459 | 790 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000608 | CA | Purchase | Owner Occupied | Condo - Warrantable | 40.9 |  | 732 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000609 | CT | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0023 | 779 | 73.20% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000613 | CA | Purchase | Owner Occupied | PUD | 49.71 |  | 785 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000615 | NJ | Purchase | Non-Owner Occupied | Single Family Attached | 41.84 |  | 740 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000581 | PA | Purchase | Non-Owner Occupied | PUD | 39.08 |  | 766 | 70.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000637 | FL | Purchase | Owner Occupied | PUD | 29.02 |  | 786 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000606 | AZ | Purchase | Second Home | Single Family Detached | 45.95 |  | 761 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000639 | MA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.2107 | 702 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 200000616 | AL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2862 | 734 | 62.07% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| **41** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXXXX | 200000509 | XX/XX/XXXX | XXXXXXXXXX | 74.17% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000510 | XX/XX/XXXX | XXXXXXXXXX | 74.17% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000511 | XX/XX/XXXX | XXXXXXXXXX | 69.59% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000512 | XX/XX/XXXX | XXXXXXXXXX | 69.59% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000513 | XX/XX/XXXX | XXXXXXXXXX | 67.21% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000514 | XX/XX/XXXX | XXXXXXXXXX | 74.25% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000515 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000636 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Stewart | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000516 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000518 | XX/XX/XXXX | XXXXXXXXXX | 67.53% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000520 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000521 | XX/XX/XXXX | XXXXXXXXXX | 70.68% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Class Valuation | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000522 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000523 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000524 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000525 | XX/XX/XXXX | XXXXXXXXXX | 30.80% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000526 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000527 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000528 | XX/XX/XXXX | XXXXXXXXXX | 31.89% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Freddie Mac | XX/XX/XXXX |
| XXXXXXXXXX | 200000529 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000530 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000531 | XX/XX/XXXX | XXXXXXXXXX | 51.32% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000532 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000533 | XX/XX/XXXX | XXXXXXXXXX | 62.15% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000633 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000634 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000534 | XX/XX/XXXX | XXXXXXXXXX | 73.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000535 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000536 | XX/XX/XXXX | XXXXXXXXXX | 66.62% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000537 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000538 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000539 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000540 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000541 | XX/XX/XXXX | XXXXXXXXXX | 44.99% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000542 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000543 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000544 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000545 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000546 | XX/XX/XXXX | XXXXXXXXXX | 63.08% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000547 | XX/XX/XXXX | XXXXXXXXXX | 64.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000548 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000549 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000550 | XX/XX/XXXX | XXXXXXXXXX | 68.38% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000551 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000552 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000553 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000554 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000555 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000556 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000557 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000558 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000559 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000560 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000561 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000562 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000563 | XX/XX/XXXX | XXXXXXXXXX | 70.41% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000564 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000565 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000566 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000567 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000568 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000569 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000570 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000571 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000572 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000573 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000574 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000575 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000576 | XX/XX/XXXX | XXXXXXXXXX | 64.91% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000577 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000578 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000579 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000580 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000581 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000582 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000583 | XX/XX/XXXX | XXXXXXXXXX | 60.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000637 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000585 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000638 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000586 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000587 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000588 | XX/XX/XXXX | XXXXXXXXXX | 49.15% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000589 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000590 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000635 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000591 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000593 | XX/XX/XXXX | XXXXXXXXXX | 41.67% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000594 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000595 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000596 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000597 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000598 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000599 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000600 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000601 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000604 | XX/XX/XXXX | XXXXXXXXXX | 57.27% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000605 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000606 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000639 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000607 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000608 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000609 | XX/XX/XXXX | XXXXXXXXXX | 73.20% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000610 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000640 | XX/XX/XXXX | XXXXXXXXXX | 67.31% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000612 | XX/XX/XXXX | XXXXXXXXXX | 74.07% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000613 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000614 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000615 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000616 | XX/XX/XXXX | XXXXXXXXXX | 62.07% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000617 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000618 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.8 | Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.5

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 200000529 | 21.48 | 35.45 | DTI | 13.97 | Yes |
| XXXXXXXXXX | 200000548 | 7.52 | 32.91 | DTI | 25.39 | Yes |
| XXXXXXXXXX | 200000534 | 39.28 | 31.97 | DTI | -7.31 | Yes |
| XXXXXXXXXX | 200000524 | 0.59 | 12.51 | DTI | 11.92 | Yes |
| XXXXXXXXXX | 200000573 | 46.34 | 42.67 | DTI | -3.67 | Yes |
| XXXXXXXXXX | 200000579 | 14.07 | 21.8 | DTI | 7.73 | Yes |
| XXXXXXXXXX | 200000528 | 10 | 21.14 | DTI | 11.14 | Yes |
| XXXXXXXXXX | 200000575 | 8.31 | 19.59 | DTI | 11.28 | Yes |
| XXXXXXXXXX | 200000543 | 10.02 | 3.95 | DTI | -6.07 | Yes |
| XXXXXXXXXX | 200000555 | 31.41 | 43.67 | DTI | 12.26 | Yes |
| XXXXXXXXXX | 200000562 | 41.75 | 37.68 | DTI | -4.07 | Yes |
| XXXXXXXXXX | 200000595 | 22.79 | 30.73 | DTI | 7.94 | Yes |
| XXXXXXXXXX | 200000576 | 47.16 | 40.43 | DTI | -6.73 | Yes |
| XXXXXXXXXX | 200000530 | 27.7 | 21.3 | DTI | -6.4 | Yes |
| XXXXXXXXXX | 200000600 | 32.32 | 43.96 | DTI | 11.64 | Yes |
| XXXXXXXXXX | 200000520 | 26.34 | 12.1 | DTI | -14.24 | Yes |
| XXXXXXXXXX | 200000637 | 39.68 | 29.02 | DTI | -10.66 | Yes |
| XXXXXXXXXX | 200000601 | 50 | 9.4 | DTI | -40.6 | Yes |
| XXXXXXXXXX | 200000578 | 9.52 | 37.94 | DTI | 28.42 | Yes |
| XXXXXXXXXX | 200000635 | 12.96 | 9.4 | DTI | -3.56 | Yes |
| XXXXXXXXXX | 200000633 | 4.21 | 11.15 | DTI | 6.94 | Yes |
| XXXXXXXXXX | 200000606 | 30.85 | 45.95 | DTI | 15.1 | Yes |
| XXXXXXXXXX | 200000617 | 39.46 | 49.2 | DTI | 9.74 | Yes |
| XXXXXXXXXX | 200000577 | 29.27 | 37.48 | DTI | 8.21 | Yes |
| XXXXXXXXXX | 200000612 | 71.19 | 74.0741 | LTV | 2.8841 | Yes |
| XXXXXXXXXX | 200000597 | 71.25 | 75 | LTV | 3.75 | Yes |
| XXXXXXXXXX | 200000570 | 79.42 | 80 | LTV | 0.58 | Yes |
| XXXXXXXXXX | 200000612 | 71.19 | 74.0741 | CLTV | 2.8841 | Yes |
| XXXXXXXXXX | 200000597 | 71.25 | 75 | CLTV | 3.75 | Yes |
| XXXXXXXXXX | 200000570 | 79.42 | 80 | CLTV | 0.58 | Yes |
| XXXXXXXXXX | 200000597 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000555 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000601 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000583 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000634 | XXXXXXXXXX | XXXXXXXXXX | P&I Payment | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000524 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000590 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000597 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000520 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000570 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000552 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000605 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000612 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000544 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000594 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000528 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000575 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000579 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000546 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000562 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000595 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000608 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000539 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000577 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000583 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000607 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000601 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000633 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000578 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000560 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000558 | XXXXXXXXXX | XXXXXXXXXX | Interest Rate | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 200000591 | 701 | 745 | FICO | 44 | Yes |
| XXXXXXXXXX | 200000609 | 790 | 779 | FICO | -11 | Yes |
| XXXXXXXXXX | 200000552 | 692 | 684 | FICO | -8 | Yes |
| XXXXXXXXXX | 200000561 | 662 | 657 | FICO | -5 | Yes |
| XXXXXXXXXX | 200000605 | 710 | 790 | FICO | 80 | Yes |
| XXXXXXXXXX | 200000575 | 800 | 806 | FICO | 6 | Yes |
| XXXXXXXXXX | 200000531 | 791 | 790 | FICO | -1 | Yes |
| XXXXXXXXXX | 200000546 | 812 | 815 | FICO | 3 | Yes |
| XXXXXXXXXX | 200000562 | 777 | 793 | FICO | 16 | Yes |
| XXXXXXXXXX | 200000542 | 666 | 669 | FICO | 3 | Yes |
| XXXXXXXXXX | 200000593 | 794 | 793 | FICO | -1 | Yes |
| XXXXXXXXXX | 200000599 | 750 | 784 | FICO | 34 | Yes |
| XXXXXXXXXX | 200000560 | 767 | 764 | FICO | -3 | Yes |
| XXXXXXXXXX | 200000596 | 786 | 796 | FICO | 10 | Yes |
| XXXXXXXXXX | 200000638 | 693 | 697 | FICO | 4 | Yes |
| XXXXXXXXXX | 200000607 | 726 | 728 | FICO | 2 | Yes |
| XXXXXXXXXX | 200000582 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 200000522 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 200000572 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 200000588 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 200000590 | XXXXXXXXXX | XXXXXXXXXX | Property Zip | Yes | Yes |
| XXXXXXXXXX | 200000531 | XXXXXXXXXX | XXXXXXXXXX | Property Zip | Yes | Yes |

---

## Exhibit 99.5

---

| |
|:---|
| **ATR QM Data Fields** |
| *Loans in Report: 111* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXX | 200000509 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000510 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000511 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000512 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000513 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000514 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000515 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000636 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000516 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000518 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000520 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000521 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000522 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000523 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000524 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000525 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000526 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000527 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000528 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000529 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000530 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000531 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000532 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000533 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000633 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000634 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000534 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000535 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000536 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000537 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000538 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000539 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000540 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000541 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000542 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000543 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000544 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000545 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000546 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000547 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000548 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000549 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000550 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000551 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000552 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000553 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000554 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000555 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000556 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000557 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000558 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000559 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000560 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000561 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000562 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000563 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000564 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000565 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000566 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000567 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000568 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000569 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000570 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000571 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000572 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000573 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000574 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000575 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000576 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000577 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000578 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000579 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000580 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000581 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000582 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000583 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000637 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000585 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000638 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000586 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000587 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000588 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000589 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000590 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000635 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000591 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000593 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000594 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000595 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000596 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000597 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000598 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000599 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000600 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000601 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000604 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000605 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000606 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000639 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000607 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000608 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000609 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000610 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000640 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000612 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000613 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000614 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000615 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000616 | Not covered/exempt | No | No |
| XXXXXXXXXX | 200000617 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXX | 200000618 | Not covered/exempt | No | No |
| **111** |  |  |  |  |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| 200000509 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0004 | XXXX | No | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000510 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0078 | XXXX | No | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000511 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1736 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000511 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000511 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000512 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.2353 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000512 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000512 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000513 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0268 | XXXX | No | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | 1 | 3 | 4 |  |  | XXXX |
| 200000514 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1508 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000514 | DSCR | 2 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000514 | DSCR | 3 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000514 | DSCR | 4 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | XXXX |
| 200000515 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1103 | XXXX | No | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | XXXX |
| 200000515 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | XXXX |
| 200000515 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | XXXX |
| 200000636 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1163 | XXXX | No | XXXX | XXXX | MD | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000516 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0356 | XXXX | No | XXXX | XXXX | AL | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000518 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0705 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 1 | 2 |  |  | XXXX |
| 200000521 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0031 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000523 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.5872 | XXXX | No | XXXX | XXXX | RI | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000523 | DSCR | 2 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | RI | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000523 | DSCR | 3 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | RI | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000523 | DSCR | 4 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | RI | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000525 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.5019 | XXXX | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000532 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0619 | XXXX | No | XXXX | XXXX | AL | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000533 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0433 | XXXX | No | XXXX | XXXX | LA | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000536 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.017 | XXXX | No | XXXX | XXXX | CT | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 | XXXX |
| 200000536 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CT | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 | XXXX |
| 200000536 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CT | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 | XXXX |
| 200000537 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0184 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000538 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0104 | XXXX | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000541 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.579 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000542 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0181 | XXXX | No | XXXX | XXXX | AL | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000545 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1784 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 1 | 2 |  |  | XXXX |
| 200000547 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.4444 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 1 | 1 |  |  | XXXX |
| 200000549 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.3087 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000549 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000549 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000549 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000550 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0079 | XXXX | No | XXXX | XXXX | NV | XXXX | XXXX | XXXX | 1 | 3 | 3 |  |  | XXXX |
| 200000552 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.201 | XXXX | No | XXXX | XXXX | GA | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000554 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.4376 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000554 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000554 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000554 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000556 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.2855 | XXXX | No | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 2 | 1 | 3 | 1 | 3 | XXXX |
| 200000556 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 2 | 1 | 3 | 1 | 3 | XXXX |
| 200000559 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1865 | XXXX | No | XXXX | XXXX | PA | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000561 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1472 | XXXX | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 200000561 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 200000561 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 200000561 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 200000563 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0804 | XXXX | No | XXXX | XXXX | NE | XXXX | XXXX | XXXX | 1 | 2 | 2 |  |  | XXXX |
| 200000564 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0069 | XXXX | No | XXXX | XXXX | NM | XXXX | XXXX | XXXX | 1 | 3 | 4 |  |  | XXXX |
| 200000565 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.2907 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000566 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.4524 | XXXX | No | XXXX | XXXX | PA | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000567 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.5632 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000569 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.5874 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000571 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.5756 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 1 | 1 | 4 |  |  | XXXX |
| 200000580 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0876 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000583 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.4326 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 4 | 2 | 2 | 2 | 2 | XXXX |
| 200000583 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 4 | 2 | 2 | 2 | 2 | XXXX |
| 200000583 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 4 | 2 | 2 | 2 | 2 | XXXX |
| 200000583 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 4 | 2 | 2 | 2 | 2 | XXXX |
| 200000586 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.3736 | XXXX | No | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000590 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1802 | XXXX | No | XXXX | XXXX | VA | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000591 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1261 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 1 | 1 | 3 |  |  | XXXX |
| 200000594 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1565 | XXXX | No | XXXX | XXXX | UT | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000594 | DSCR | 2 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | UT | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000594 | DSCR | 3 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | UT | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000594 | DSCR | 4 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | UT | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000597 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.1354 | XXXX | No | XXXX | XXXX | VA | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000598 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.006 | XXXX | No | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 1 | 2 | 2 |  |  | XXXX |
| 200000605 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1459 | XXXX | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |
| 200000639 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.2107 | XXXX | No | XXXX | XXXX | MA | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000639 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | MA | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000639 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | MA | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000639 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXX | XXXX | MA | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 2 | XXXX |
| 200000609 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0023 | XXXX | No | XXXX | XXXX | CT | XXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 200000612 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.0051 | XXXX | No | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 1 | 3 | 4 |  |  | XXXX |
| 200000616 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.2862 | XXXX | No | XXXX | XXXX | AL | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  | XXXX |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXXXX | 200000509 | XX/XX/XXXX | XXXXXXXXXX | 74.17% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000510 | XX/XX/XXXX | XXXXXXXXXX | 74.17% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000511 | XX/XX/XXXX | XXXXXXXXXX | 69.59% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000512 | XX/XX/XXXX | XXXXXXXXXX | 69.59% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000513 | XX/XX/XXXX | XXXXXXXXXX | 67.21% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000514 | XX/XX/XXXX | XXXXXXXXXX | 74.25% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000515 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000636 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Stewart | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000516 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000518 | XX/XX/XXXX | XXXXXXXXXX | 67.53% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000520 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000521 | XX/XX/XXXX | XXXXXXXXXX | 70.68% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Class Valuation | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000522 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000523 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000524 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000525 | XX/XX/XXXX | XXXXXXXXXX | 30.80% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000526 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000527 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000528 | XX/XX/XXXX | XXXXXXXXXX | 31.89% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Freddie Mac | XX/XX/XXXX |
| XXXXXXXXXX | 200000529 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000530 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000531 | XX/XX/XXXX | XXXXXXXXXX | 51.32% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000532 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000533 | XX/XX/XXXX | XXXXXXXXXX | 62.15% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000633 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000634 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000534 | XX/XX/XXXX | XXXXXXXXXX | 73.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000535 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000536 | XX/XX/XXXX | XXXXXXXXXX | 66.62% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000537 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000538 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000539 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000540 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000541 | XX/XX/XXXX | XXXXXXXXXX | 44.99% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000542 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000543 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000544 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000545 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000546 | XX/XX/XXXX | XXXXXXXXXX | 63.08% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000547 | XX/XX/XXXX | XXXXXXXXXX | 64.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000548 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000549 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000550 | XX/XX/XXXX | XXXXXXXXXX | 68.38% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000551 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000552 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000553 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000554 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000555 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000556 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000557 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000558 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000559 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000560 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000561 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000562 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000563 | XX/XX/XXXX | XXXXXXXXXX | 70.41% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000564 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000565 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000566 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000567 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000568 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000569 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000570 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000571 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000572 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000573 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000574 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000575 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000576 | XX/XX/XXXX | XXXXXXXXXX | 64.91% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000577 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000578 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000579 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000580 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000581 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000582 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000583 | XX/XX/XXXX | XXXXXXXXXX | 60.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000637 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000585 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000638 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000586 | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000587 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000588 | XX/XX/XXXX | XXXXXXXXXX | 49.15% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000589 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000590 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000635 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000591 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000593 | XX/XX/XXXX | XXXXXXXXXX | 41.67% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000594 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000595 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000596 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000597 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000598 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000599 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000600 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000601 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000604 | XX/XX/XXXX | XXXXXXXXXX | 57.27% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000605 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000606 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000639 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 200000607 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000608 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000609 | XX/XX/XXXX | XXXXXXXXXX | 73.20% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Clear Capital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000610 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000640 | XX/XX/XXXX | XXXXXXXXXX | 67.31% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000612 | XX/XX/XXXX | XXXXXXXXXX | 74.07% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000613 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000614 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000615 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000616 | XX/XX/XXXX | XXXXXXXXXX | 62.07% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000617 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXX | 200000618 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.8 | Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

![](selene_logo.jpg)

**Se** **lene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Loan Funding Structure III LLC ("Client"). The review was conducted between June 2025 and July 2025 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 2 ATR-QM exempt loans for a total of 2 loans the "Final Securitization Population".

*<u>Cr</u> <u>edit Reviews (2):</u>*

During the Review, Selene performed a credit review on 2 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (2)</u>*

During the Review, Selene performed a compliance review, when applicable on 2 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (2):</u>*

During the Review, Selene performed a property valuation review on 2 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (2):</u>*

During the Review, Selene performed a Data Integrity Review on 2 mortgage loans in the Final Securitization

Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 2 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), Kroll Bond Rating Agency ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>G</u>** **<u>UIDELINES</u>**

Vista Point Mortgage Loan Eligibility Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **16**

**<u>S</u>** **<u>COPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whet h er the ch a r act e rist i cs o f the mo r tga g e l o a n s a n d the b o r r o w ers c on f o r m ed t o the G u i d eli n es c i t e d a b o v e;

● R e -calc u la t ed L TV, C L TV, i n c o m e, lia b ilit i es a n d c o m p a red the s e a g ai n st the G u i d e li n es;

● A n alyzed asset s t at e m e n ts to d e t er m i n e whet h er f und s to c l o se a n d res e r v e s w e r e within t h e Gu i d eli n es;

● C o n fi rm ed that cred i t s c o r es (F I CO) and cred i t his t o r i es w ere within t h e Gu i d eli n es.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **O** **ri g i na l Ap p r a i s a l A ss e s s m en t** 

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

● **Va** **l u e Suppo r ted A na ly s i s** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>S</u>** **<u>UMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 2 mortgage loans, (ii) a Compliance Review on 2 mortgage loans (iii) a Valuation Review on 2 mortgage loans, and (iv) a Data Integrity Review on 2 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 2 mortgage loans; 1 mortgage loans had a rating grade of A, 1 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (2 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (2 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (2 overall loans):***<br> **** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **16**

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>T</u>** **<u>HIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan
file;

Page **8** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

Page **10** of **16**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

Page **11** of **16**

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

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

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

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

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

Selene 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.

Selene 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"). Selene 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. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The i nd ivid u als p er f o r m i n g
the a f o r e m ent i o n ed o ri g i n al
a pp ra i sal a sses s m ent a re n o t p er s o n s p r ov i d i n g v al u at i o n s f o r p u r p o ses o f t h e U n i f o r m S t a nd ar d s o f P r o f ess i o n al A pp ra i sal P r a cti c e
(" U S P A P ") o r n e c essari l y
l i c ensed as a pp ra i se r s und er Fe d eral o r S t ate l a w,
a n d t h e se r v ices b ei n g p erf o r m ed b y such p ers on s d o no t c o n st i tute " a pp ra i sal
r e v i e w s " f o r pu r p o s es o f U S P A P o r Fe d eral o r
Sta t e l a w.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene m akes no r epre s enta t i o n o r w ar r a n ty a s t o t h e v al u e o f
 any m o rtg ag ed
 p r op ert y , n o t w i thsta nd i n g t h at Selene m ay
 ha v e r e v i e w e d v al u at i o n
 in f o r m at i o n f o r r eas o n a b le n es s .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is n o t
an ' A M C' (a pp r a isal m a n a g e m ent c o m p a n y)
a n d t h ere f o r e Selene d o e s n o t o p i n e o n the actual v al u e o f t h e un d erlying pro p ert y .

● Selene is n o t a 'cred i t o r' wit h in t h e m ean in g o f ECOA o r o ther l en d i n g laws a n d r e g u lati o n s, and there f o re Selene will n o t ha v e a n y c om m un icat i o n w ith o r r e sponsi b ility t o any in d ivid u al c o n su m er c o n c ern in g pro p erty v al u at i on .

● Selene do es no t c o n fi r m w h e ther the ap p ra i ser is o n the Fred d ie M ac exclusionary list.

Page **16** of **16**

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxxx0321 |  | XXXX | XXXX D A B |
| xxxxxxx0006 |  | XXXX | XXXX D A |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxxx0321 |  |  | Closed | 2025-06-26 17:04 | 2025-07-02 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received BPL, finding resolved - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/27/2025 <br>Open-Checkbox selection not completed - Due Diligence Vendor-06/26/2025 |  | Resolved-Received BPL, finding resolved - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4574099 | N/A | N/A |
| XXXX | xxxxxxx0321 |  |  | Closed | 2025-06-26 09:11 | 2025-07-02 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing verification of 12 month housing history - Due Diligence Vendor-06/26/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4566964 | N/A | N/A |
| XXXX | xxxxxxx0321 |  |  | Closed | 2025-06-26 16:40 | 2025-07-02 15:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/27/2025 <br>Open-The Note is Missing Prepayment Addendum to the Note missing from file - Due Diligence Vendor-06/26/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4573628 | N/A | N/A |
| XXXX | xxxxxxx0321 |  |  | Closed | 2025-06-26 16:51 | 2025-06-26 16:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception made for LTV greater then 70%, at 75% - Due Diligence Vendor-06/26/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception made for LTV greater then 70%, at 75% - Due Diligence Vendor-06/26/2025<br>|  |  | Credit Score is 747. Minimum required per guidelines is 640.<br> Borrower(s) have 42.66 months Reserves. Minimum required <br> per guidelines is 6 months. | FL | Investment | Purchase | NA | 4573828 | Originator Pre-Close | Yes |
| XXXX | xxxxxxx0006 |  |  | Closed | 2025-06-26 22:23 | 2025-07-03 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Document received, data updated - Due Diligence Vendor-07/03/2025 <br>Ready for Review-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/02/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure loan, borrower and property address are not legible. - Due Diligence Vendor-06/26/2025 |  | Resolved-Document received, data updated - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | UT | Investment | Refinance | No Cash Out - Borrower Initiated | 4579491 | N/A | N/A |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxxx0321 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxxx0006 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

Rating Agency Multi-Property Valuation Report v10.22

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | xxxxxxx0321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 747 | 747 | 757 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 761 | 761 | 755 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3562 | Taxes and Insurance | 42.66 | 126379.06 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Vista Point - Non Owner Occupied | 8.75 | 8.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 4800.0 | 1 | 28908 | 322 | 16 | 0.2628245179360121 | 13.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 702 | 694 | 702 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4515 | Taxes and Insurance | 90.84 | 344221.58 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | Vista Point - Non Owner Occupied | 8.75 | 8.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0.0 | 4 | 35000 | 405 | 5 | 0.4288185415488977 | 11.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** |
| xxxxxxx0321 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.878 | 0.878 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, <br> null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null <br> Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, <br> null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, <br> null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| <br> Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter<br> Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, <br> null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter <br> Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements <br> Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E <br> Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, <br> null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, <br> null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 <br> Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |
| xxxxxxx0006 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | UT | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.778 | 0.77 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| xxxxxxx0321 |  | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | NE | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 126379.06 | 42.7 | 126379.06 | 42.7 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxxx0006 |  | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 344221.58 | 90.8 | 344221.58 | 90.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |

---

## Exhibit 99.6

Multi Property Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Allocation Percent** | **Primary Appraisal Date** | **Owner Occupancy** | **Property Type** | **Primary Appraisal Value** | **Primary Appraisal Type** | **LTV** | **Reviewed Appraised Value** | **Reviewed Appraisal Type** | **Property Units** | **P&I Payment** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Property Acquisition Date** | **Property Acquisition Price** | **Rent** | **Type of Rent to Qualify** | **Rent in Place from Lease** | **Short Term Rent** | **Short Term Rent Source** | **Short Term Rent Term** | **Short Term Rent Term Number** | **Third Party Market Rent Estimate** | **Third Party Market Rent Source** | **Rented Flag** | **Annual HOA** | **Property Condition** | **Year Built** | **DSCR** | **Loan Release Provision** | **Percent Paydown for Release** | **Release Paydown Amount** | **Title Held As** |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | xxxxxxx0321 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 113.95 | 0.878 | 0.878 | 2962.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45500 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 42.66 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxxxx0006 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3400 | 2950 | Appraisal - 1007 |  | N/A |  |  | 2950 | Appraisal - 1007 | No | 128.45 | 0.77 | 0.778 | 3789.36 | 3400 | 06-07-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 2950 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 90.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.6

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxxx0321 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | OriginatorDoc Type Dscr Confirmed |
| xxxxxxx0006 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | Loan Type Dscr Confirmed per approval certificate |

---

## Exhibit 99.7

**Exhibit 99.7**

![](canopy_logo.jpg)

**NARRATIVE**

**BRAVO 2025-NQM9**

**By Canopy Financial Technology Partners LLC on September 17, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

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

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

![](canopy_logo.jpg)

**D** **escription of Services**<br>

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Loan Funding Structure III LLC (the "Client") or its affiliated company. The Review was conducted from April 2025 through August 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two-hundred twenty-one (221) Loans with an aggregate principal balance of $141,010,917.00.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs), DBRS Morningstar and S&P Global Ratings.

**Data Integrity**

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

---

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

---

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

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

● A credit report or alternative credit history as applicable to loan type is present for each borrower;

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when

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applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

o Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

o Mortgage lender/originator

o Loan officer

● Occupancy:

o Borrower address history

o Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

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**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

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**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

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

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

---

| | | | |
|:---|:---|:---|:---|
| **I.** | **Compliance Documentation Requirements** | **Compliance Documentation Requirements** | **Compliance Documentation Requirements** |
|  | a. | Review of the following documents as they related to regulatory compliance: | Review of the following documents as they related to regulatory compliance: |
|  |  | i. | Initial and final application (1003) |
|  |  | ii. | Note, including all addendums |
|  |  | iii. | Copy of note for any junior liens (if applicable) |
|  |  | iv. | Mortgage / Deed of Trust, including all riders |
|  |  | v. | Initial, Interim, and Final Loan Estimates ("LE") |
|  |  | vi. | Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z) |
|  |  | vii. | Notice of Right to Cancel (as applicable) |
|  |  | viii. | Rate Lock Date Information; |
|  |  | ix. | HOEPA Disclosures (if applicable) |
|  |  | x. | Initial Escrow Account Disclosure |

---

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

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

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

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| | | |
|:---|:---|:---|
| a. | **Truth-in-Lending Act (TILA) / Regulation Z:** Loans were reviewed to determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following: | **Truth-in-Lending Act (TILA) / Regulation Z:** Loans were reviewed to determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following: |
|  | i. | **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019); |
|  | ii. | **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings; |
|  | iii. | **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. |
| b. | **Real Estate Settlement Procedures Act (RESPA)/Regulation X:** Review to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations). | **Real Estate Settlement Procedures Act (RESPA)/Regulation X:** Review to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations). |
| c. | **Equal Credit Opportunity Act (ECOA)/Regulation B:** Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1). | **Equal Credit Opportunity Act (ECOA)/Regulation B:** Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1). |
| d. | **Fair Credit Reporting Act (FRCA)/Regulation V:** Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable. | **Fair Credit Reporting Act (FRCA)/Regulation V:** Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable. |

---

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| | | |
|:---|:---|:---|
| e. | **Miscellaneous Compliance Testing:** | **Miscellaneous Compliance Testing:** |
|  | i. | Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the Loan File. |
|  | ii. | Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or debt cancellation agreements present in the Loan File. |
|  | iii. | TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported. |

---

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

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

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

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

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

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**<br>

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

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

---

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

---

---

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

---

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

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**<br>

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections.

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

![](canopy_logo.jpg)

97.29 % or two-hundred fifteen (215) mortgage loans have an overall grade of "A" and 2.71% or Six (6) mortgage loans have an overall grade of "B".

Canopy's review concluded a credit grade of "A" for 97.74% or two-hundred sixteen (216) mortgage loans and a credit grade of "B" for 2.26% or five (5) mortgage loans.

Canopy's review concluded a compliance grade of "A" for 99.55% or two-hundred twenty (220) mortgage loans and a compliance grade of "B" for 0.45% or one (1) mortgage loan.

Canopy's review concluded a property/valuation grade of "A" for 100.00% or two-hundred twenty-one (221) mortgage loan and a property/valuation grade of "B" for 0.00% or zero (0) mortgage loans.

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES**<br>

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;215 | &nbsp;&nbsp;97.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;216 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;220 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** |

---

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

![](canopy_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;221 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;219 | &nbsp;&nbsp;99.10% | &nbsp;&nbsp;$139052417.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;$1958500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141010917.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;221 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$141010917.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141010917.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$1610000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;63 | &nbsp;&nbsp;28.51% | &nbsp;&nbsp;$48309975.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;56 | &nbsp;&nbsp;25.34% | &nbsp;&nbsp;$32451578.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;78 | &nbsp;&nbsp;35.29% | &nbsp;&nbsp;$40923014.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.41% | &nbsp;&nbsp;$17716350.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141010917.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$300000.00 |

---

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

![](canopy_logo.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;218 | &nbsp;&nbsp;98.64% | &nbsp;&nbsp;$137412286.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$3298631.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.72%** | &nbsp;&nbsp;**$141010917.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;123 | &nbsp;&nbsp;55.66% | &nbsp;&nbsp;$87381123.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.36% | &nbsp;&nbsp;$4343250.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;95 | &nbsp;&nbsp;42.99% | &nbsp;&nbsp;$49286544.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**221** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141010917.00** |

---

**DATA COMPARISON RESULTS**

Of the two-hundred twenty-one (221) mortgage Loans reviewed, thirty-two (32) unique loans (14.48% by number) have thirty-eight (38) tape comparison discrepancies across fourteen (14) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;221 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;221 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;221 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;221 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;3 | &nbsp;&nbsp;221 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do | &nbsp;&nbsp;5 | &nbsp;&nbsp;221 | &nbsp;&nbsp;2.26% |

---

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

![](canopy_logo.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp; not Apply Tolerance If DTI >= 43 and AUS = No |  |  |  |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;221 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;221 | &nbsp;&nbsp;0.45% |

---

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

 

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

## Exhibit 99.7

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy 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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** |
| 200000007 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.95% | 37.95% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 15 | CPA | Audited | CPA | 15 | Yes | 50 | Yes | 50 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 98.45 | No | 45.05 | N/A | xxx | xxx | xxx |
| 200000827 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.181 | 1.181 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, <br> null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.62 | No | 55 | N/A | xxx | xxx | xxx |
| 200000008 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 24.24% | 24.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.29 | xxx | 9.91 | No | 59.53 | N/A | xxx | xxx | xxx |
| 200000014 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 28.98% | 28.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.07 | xxx | 17.83 | No | 39.63 | N/A | xxx | xxx | xxx |
| 200000017 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  | xxx | xxx |  | Annually | 0.00% | 32.91% | 32.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 37.05 | xxx | 37.05 | No | 37.84 | N/A | xxx | xxx | xxx |
| 200000005 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 9.35% | 9.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.16 | xxx | 16.56 | No | 30 | N/A | xxx | xxx | xxx |
| 200000011 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 29.91% | 29.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 40.58 | xxx | 40.66 | No | 33.61 | N/A | xxx | xxx | xxx |
| 200000016 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.25% | 43.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 27.14% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 102 | No |  | Yes | 48 | 37 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Wage, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.45 | xxx | 17.45 | No | 73.9 | N/A | xxx | xxx | xxx |
| 200000020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 26.69% | 26.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | Vietnam | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 98.41 | xxx | 98.41 | No | 60 | N/A | xxx | xxx | xxx |
| 200000012 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.80% | 34.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 47 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 39.59 | xxx | 39.59 | No | 45.87 | N/A | xxx | xxx | xxx |
| 200000023 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 5.45% | 5.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 24.77 | xxx | 24.77 | No | 74.93 | N/A | xxx | xxx | xxx |
| 200000828 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.006 | 1.006 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 12.41 | xxx | 12.41 | No | 80 | N/A | xxx | xxx | xxx |
| 200000013 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 28.30% | 28.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 29.73 | xxx | 29.73 | No | 11.45 | N/A | xxx | xxx | xxx |
| 200000018 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.97% | 28.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - 2020 | Borrower - 2020 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use |  | xxx | USA | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.89 | xxx | 8.89 | No | 48.19 | N/A | xxx | xxx | xxx |
| 200000002 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.00% | 28.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 89 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.56 | xxx | 9.56 | No | 80 | N/A | xxx | xxx | xxx |
| 200000024 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.60% | 36.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.71 | xxx | 33.71 | No | 80 | N/A | xxx | xxx | xxx |
| 200000053 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.36% | 46.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.86 | xxx | 7.86 | No | 75 | N/A | xxx | xxx | xxx |
| 200000015 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 22.18% | 22.18% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.67 | No | 65 | N/A | xxx | xxx | xxx |
| 200000028 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 20.11% | 20.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.92 | xxx | 10.92 | No | 65 | N/A | xxx | xxx | xxx |
| 200000001 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 19.56% | 19.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 98.64 | No | 65 | N/A | xxx | xxx | xxx |
| 200000009 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.71% | 49.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.16 | xxx | 12.16 | No | 75 | N/A | xxx | xxx | xxx |
| 200000025 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.14% | 44.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.37 | xxx | 10.37 | No | 75 | N/A | xxx | xxx | xxx |
| 200000033 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 39.99% | 39.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.59 | xxx | 15.59 | No | 65 | N/A | xxx | xxx | xxx |
| 200000035 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.97% | 26.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Passport |  | xxx | China | xxx | China | xxx | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.29 | xxx | 16.29 | No | 60 | N/A | xxx | xxx | xxx |
| 200000019 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.35% | 25.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 35.77 | xxx | 35.77 | No | 56.95 | N/A | xxx | xxx | xxx |
| 200000022 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 39.23% | 39.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.04 | xxx | 6.04 | No | 80 | N/A | xxx | xxx | xxx |
| 200000037 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 30.00% | 30.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 75.62 | xxx | 75.62 | No | 80 | N/A | xxx | xxx | xxx |
| 200000041 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 48.72% | 48.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.73 | xxx | 7.73 | No | 80 | N/A | xxx | xxx | xxx |
| 200000046 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.56% | 37.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 28.97 | xxx | 28.97 | No | 80 | N/A | xxx | xxx | xxx |
| 200000056 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.76% | 41.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.97 | xxx | 9.97 | No | 75 | N/A | xxx | xxx | xxx |
| 200000062 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.90% | 43.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.26 | xxx | 6.26 | No | 80 | N/A | xxx | xxx | xxx |
| 200000006 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 31.89% | 31.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 32.77 | xxx | 32.77 | No | 37.44 | N/A | xxx | xxx | xxx |
| 200000030 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 41.08% | 41.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.77 | No | 70 | N/A | xxx | xxx | xxx |
| 200000034 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.21% | 13.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.43 | xxx | 17.43 | No | 69.66 | N/A | xxx | xxx | xxx |
| 200000040 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 39.55% | 39.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% | 0.00% |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.82 | xxx | 19.82 | No | 75 | N/A | xxx | xxx | xxx |
| 200000043 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.01% | 32.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 20.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.14 | xxx | 15.14 | No | 64.85 | N/A | xxx | xxx | xxx |
| 200000049 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.35% | 43.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.08 | xxx | 6.08 | No | 80 | N/A | xxx | xxx | xxx |
| 200000050 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.05% | 30.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 102.79 | No | 67.57 | N/A | xxx | xxx | xxx |
| 200000058 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.62% | 40.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.14 | xxx | 8.14 | No | 70 | N/A | xxx | xxx | xxx |
| 200000073 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.96% | 37.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 26.00 | xxx | 26 | No | 71.11 | N/A | xxx | xxx | xxx |
| 200000036 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 47.64% | 47.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 74 | 74 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.96 | xxx | 22.96 | No | 46.73 | N/A | xxx | xxx | xxx |
| 200000048 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 45.20% | 45.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 117.58 | xxx | 117.58 | No | 75 | N/A | xxx | xxx | xxx |
| 200000042 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.97% | 34.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | China | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.59 | xxx | 6.59 | No | 70 | N/A | xxx | xxx | xxx |
| 200000045 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.59% | 46.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | Yes | No | N/A | xxx | 30.98 | xxx | 30.98 | No | 70 | N/A | xxx | xxx | xxx |
| 200000057 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.60% | 37.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.48 | xxx | 13.48 | No | 53.13 | N/A | xxx | xxx | xxx |
| 200000077 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.97% | 36.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.51 | xxx | 8.51 | No | 80 | N/A | xxx | xxx | xxx |
| 200000004 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.77% | 43.77% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 47 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.65 | xxx | 11.65 | No | 70 | N/A | xxx | xxx | xxx |
| 200000029 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.18% | 23.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 41 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.23 | xxx | 9.23 | No | 80 | N/A | xxx | xxx | xxx |
| 200000044 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.67% | 32.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.92 | xxx | 9.92 | No | 69.98 | Yes | xxx | xxx | xxx |
| 200000065 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.25% | 26.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.55 | xxx | 13.55 | No | 53.97 | N/A | xxx | xxx | xxx |
| 200000003 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 46.71% | 46.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.27 | No | 65 | N/A | xxx | xxx | xxx |
| 200000010 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.01% | 36.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Passport |  | xxx | People's Republic of China | xxx | People's Republic of China | xxx | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.81 | xxx | 7.81 | No | 80 | N/A | xxx | xxx | xxx |
| 200000027 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 44.83% | 44.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 46.88 | xxx | 46.88 | No | 80 | N/A | xxx | xxx | xxx |
| 200000032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.64% | 37.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | Vietnam, USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.00 | xxx | 9 | No | 66.67 | N/A | xxx | xxx | xxx |
| 200000038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.74% | 37.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.02 | xxx | 21.02 | No | 75 | N/A | xxx | xxx | xxx |
| 200000047 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 1.02% | 1.02% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 49.00% |  |  | Audited | 15 | CPA | N/A | N/A | 0 | Yes | 255 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National |  | Other | USA Patriot Act | xxx | Brazil | xxx |  |  | Work Visa |  | xxx | Foreign National | Foreign National |  | Other | USA Patriot Act | xxx | Brazil | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | Foreign Credit Report | xxx | 85.29 | xxx | 85.29 | No | 50 | N/A | xxx | xxx | xxx |
| 200000051 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.28% | 32.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 53.99 | xxx | 53.99 | No | 80 | N/A | xxx | xxx | xxx |
| 200000055 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.27% | 44.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | China | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.94 | xxx | 7.94 | No | 80 | N/A | xxx | xxx | xxx |
| 200000064 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 38.75% | 38.75% | No |  | 2 |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.63 | xxx | 20.9 | No | 75 | N/A | xxx | xxx | xxx |
| 200000067 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 47.63% | 47.63% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.64 | xxx | 8.64 | No | 69.44 | N/A | xxx | xxx | xxx |
| 200000068 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 41.54% | 41.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.14 | No | 70 | N/A | xxx | xxx | xxx |
| 200000070 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 33.46% | 33.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 114.04 | No | 75 | N/A | xxx | xxx | xxx |
| 200000074 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.36% | 32.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 110.19 | xxx | 110.19 | No | 75 | N/A | xxx | xxx | xxx |
| 200000039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 34.67% | 34.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.93 | xxx | 6.12 | No | 79.94 | N/A | xxx | xxx | xxx |
| 200000059 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.43% | 37.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.67 | xxx | 24.82 | No | 40.83 | N/A | xxx | xxx | xxx |
| 200000066 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.88% | 42.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.97 | xxx | 14.97 | No | 78.97 | N/A | xxx | xxx | xxx |
| 200000079 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.37% | 47.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.56 | xxx | 8.56 | No | 75 | N/A | xxx | xxx | xxx |
| 200000747 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.02% | 30.02% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 130 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | xxx | xxx | 5 |  | 16 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.71 | xxx | 9.71 | No | 80 | Yes | xxx | xxx | xxx |
| 200000021 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 42.01% | 42.01% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | CPA | 15 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A, Subject Property Net Rental Income(Loss) if NOO \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.63 | xxx | 9.92 | No | 63.71 | N/A | xxx | xxx | xxx |
| 200000052 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 15 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Family Owned Business, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.65 | xxx | 9.65 | No | 80 | N/A | xxx | xxx | xxx |
| 200000072 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 39.76% | 39.76% | No |  | 3 | 3 |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 79.32 | xxx | 79.32 | No | 63.16 | N/A | xxx | xxx | xxx |
| 200000080 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 35.43% | 35.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 53.05 | xxx | 53.05 | No | 70 | N/A | xxx | xxx | xxx |
| 200000026 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.46% | 41.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.15 | xxx | 6.15 | No | 80 | N/A | xxx | xxx | xxx |
| 200000063 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.68% | 31.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.19 | xxx | 11.19 | No | 65 | N/A | xxx | xxx | xxx |
| 200000071 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.18% | 43.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.31 | xxx | 7.31 | No | 75 | N/A | xxx | xxx | xxx |
| 200000082 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 44.66% | 44.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.23 | xxx | 11.23 | No | 80 | N/A | xxx | xxx | xxx |
| 200000031 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 2.61% | 2.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | CPA |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.69 | xxx | 6.69 | No | 70 | N/A | xxx | xxx | xxx |
| 200000060 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 24.48% | 24.48% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.03 | xxx | 7.03 | No | 70 | N/A | xxx | xxx | xxx |
| 200000075 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.41% | 47.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.07 | xxx | 7.07 | No | 61.7 | Yes | xxx | xxx | xxx |
| 200000061 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 44.22% | 44.22% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.82 | xxx | 19.82 | No | 70 | N/A | xxx | xxx | xxx |
| 200000076 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.05% | 38.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 16 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.15 | xxx | 10.15 | No | 75 | N/A | xxx | xxx | xxx |
| 200000829 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.361 | 1.361 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 51.12 | xxx | 51.12 | No | 78.3 | N/A | xxx | xxx | xxx |
| 200000081 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 9.23% | 9.23% | Yes | Yes | 1 |  | 3 |  | 3 |  | Self-Employed | Self-Employed | Self-Employed |  | 4.77 |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 40.00% | 40.00% |  | Audited | 16 | CPA | Audited | CPA | 16 | Yes | 0 | Yes | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower 2 - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower \|\| Co Borrower 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Foreign National | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx | Non Permanent Resident Alien | Foreign National | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx | Non Permanent Resident Alien | Foreign National | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Work Visa | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.99 | xxx | 11.99 | No | 57 | N/A | xxx | xxx | xxx |
| 200000078 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 35.99% | 35.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | Third-Party Prepared (Unaudited) | 16 | Tax Preparer |  |  |  | Yes | 16 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .16 | xxx | 69.31 | No | 70 | N/A | xxx | xxx | xxx |
| 200000069 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 35.13% | 35.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 39.44 | No | 70 | N/A | xxx | xxx | xxx |
| 200000084 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 27.97% | 27.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 340 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.27 | xxx | 9.21 | No | 59.3 | N/A | xxx | xxx | xxx |
| 200000830 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.085 | 1.101 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17 | No | 66.54 | N/A | xxx | xxx | xxx |
| 200000085 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.35% | 39.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 38.28 | xxx | 38.28 | No | 70 | N/A | xxx | xxx | xxx |
| 200000054 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 36.42% | 36.42% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 83.7 | No | 47.38 | N/A | xxx | xxx | xxx |
| 200000753 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.299 | 1.299 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 114.74 | No | 65 | N/A | xxx | xxx | xxx |
| 200000083 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 10.24% | 10.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.46 | xxx | 20.81 | No | 75 | N/A | xxx | xxx | xxx |
| 200000749 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.561 | 1.561 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 73.21 | No | 64.44 | N/A | xxx | xxx | xxx |
| 200000765 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.34% | 32.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 5 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | ECUADOR | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.22 | xxx | 6.22 | No | 90 | N/A | xxx | xxx | xxx |
| 200000756 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.186 | 1.186 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 52.75 | No | 37.04 | N/A | xxx | xxx | xxx |
| 200000832 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 38.13% | 38.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.26 | xxx | 9.08 | No | 73.72 | N/A | xxx | xxx | xxx |
| 200000752 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 40.49% | 40.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | xxx | xxx | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.43 | xxx | 10.43 | No | 80 | N/A | xxx | xxx | xxx |
| 200000764 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.14 | 1.14 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.81 | xxx | 11.81 | No | 80 | N/A | xxx | xxx | xxx |
| 200000761 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.173 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 46.09 | No | 73.7 | N/A | xxx | xxx | xxx |
| 200000759 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.32% | 10.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 102 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 113.93 | No | 50 | N/A | xxx | xxx | xxx |
| 200000833 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.858 | 0.985 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 95.77 | No | 75 | N/A | xxx | xxx | xxx |
| 200000772 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.156 | 1.156 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 181.39 | xxx | 181.54 | No | 79.19 | N/A | xxx | xxx | xxx |
| 200000767 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.16 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 327.68 | xxx | 329.69 | No | 77.87 | N/A | xxx | xxx | xxx |
| 200000766 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.144 | 1.05 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 186.24 | xxx | 187.02 | No | 79.08 | N/A | xxx | xxx | xxx |
| 200000769 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.963 | 1.963 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 452.90 | xxx | 454.2 | No | 77.04 | N/A | xxx | xxx | xxx |
| 200000778 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.545 | 1.54 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 427.63 | xxx | 428.98 | No | 75 | N/A | xxx | xxx | xxx |
| 200000768 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.086 | 1.08 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 328.51 | xxx | 330.64 | No | 78.7 | N/A | xxx | xxx | xxx |
| 200000839 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.144 | 1.144 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 27.24 | xxx | 27.24 | No | 75 | N/A | xxx | xxx | xxx |
| 200000781 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.197 | 1.197 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.60 | xxx | 6.99 | No | 70 | N/A | xxx | xxx | xxx |
| 200000834 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.57% | 29.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.99 | xxx | 11.99 | No | 80 | Yes | xxx | xxx | xxx |
| 200000757 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.012 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.86 | xxx | 17.86 | No | 69.61 | N/A | xxx | xxx | xxx |
| 200000779 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 11.61% | 11.61% | No | No |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 197 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.45 | xxx | 13.45 | No | 90 | N/A | xxx | xxx | xxx |
| 200000848 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.29% | 38.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 18 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.74 | xxx | 19.74 | No | 80 | N/A | xxx | xxx | xxx |
| 200000760 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 |  | 1 |  | 1 |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.067 | 1.067 | N/A | Borrower - N/A, N/A, N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 94.87 | xxx | 94.87 | No | 75 | N/A | xxx | xxx | xxx |
| 200000771 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.213 | 1.14 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 45.99 | No | 75 | N/A | xxx | xxx | xxx |
| 200000706 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.175 | 1.175 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 32.11 | xxx | 32.11 | No | 80 | N/A | xxx | xxx | xxx |
| 200000754 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 53.19% | 53.19% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 98.59 | xxx | 98.59 | No | 51.72 | Yes | xxx | xxx | xxx |
| 200000845 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 36.93% | 36.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 102.55 | No | 70 | N/A | xxx | xxx | xxx |
| 200000842 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.49% | 32.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.54 | xxx | 21.54 | No | 80 | N/A | xxx | xxx | xxx |
| 200000748 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.066 | 1.06 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 98.54 | No | 48.39 | N/A | xxx | xxx | xxx |
| 200000838 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.47 | 1.528 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.08 | No | 75 | N/A | xxx | xxx | xxx |
| 200000850 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.185 | 1.185 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.14 | xxx | 13.14 | No | 75 | N/A | xxx | xxx | xxx |
| 200000851 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 33.33% | 33.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.46 | xxx | 10.46 | No | 90 | N/A | xxx | xxx | xxx |
| 200000686 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 8.47% | 8.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 29.73 | xxx | 29.73 | No | 80 | N/A | xxx | xxx | xxx |
| 200000801 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.34% | 41.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.90 | xxx | 7.9 | No | 80 | N/A | xxx | xxx | xxx |
| 200000656 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.92% | 43.92% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.90 | xxx | 21.9 | No | 75 | N/A | xxx | xxx | xxx |
| 200000762 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.024 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 263.05 | xxx | 263.05 | No | 80 | N/A | xxx | xxx | xxx |
| 200000777 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 36.90% | 36.90% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 61.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 228 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other, Other, Retirement, Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Other - Award Letter Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.51 | xxx | 51.37 | No | 51.47 | N/A | xxx | xxx | xxx |
| 200000680 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.77% | 43.77% | No | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 24 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 31.06% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 180 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.01 | xxx | 6.01 | No | 90 | N/A | xxx | xxx | xxx |
| 200000809 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.408 | 1.41 | Yes | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 105.69 | No | 75 | N/A | xxx | xxx | xxx |
| 200000799 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 16.78% | 16.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.85 | xxx | 8.85 | No | 90 | N/A | xxx | xxx | xxx |
| 200000789 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.03 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.13 | No | 75 | N/A | xxx | xxx | xxx |
| 200000840 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.077 | 1.014 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 61.46 | xxx | 61.46 | No | 75 | N/A | xxx | xxx | xxx |
| 200000782 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.00% | 49.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.95 | xxx | 22.95 | No | 80 | No | xxx | xxx | xxx |
| 200000705 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.97% | 15.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 75 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.66 | No | 70 | N/A | xxx | xxx | xxx |
| 200000792 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 25.60% | 25.60% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.43 | No | 75 | N/A | xxx | xxx | xxx |
| 200000856 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.025 | 1.012 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | No | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 71.96 | No | 46.94 | N/A | xxx | xxx | xxx |
| 200000857 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.012 | 1.011 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 76.86 | No | 47.92 | N/A | xxx | xxx | xxx |
| 200000837 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.846 | 0.846 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 23.15 | No | 70 | Yes | xxx | xxx | xxx |
| 200000783 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.178 | 1.178 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.50 | xxx | 23.5 | No | 75 | N/A | xxx | xxx | xxx |
| 200000785 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.142 | 1.142 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.79 | xxx | 14.79 | No | 80 | Yes | xxx | xxx | xxx |
| 200000804 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 30.49% | 30.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.66 | xxx | 18.66 | No | 54.95 | N/A | xxx | xxx | xxx |
| 200000707 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 6.96% | 6.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 98.86 | xxx | 98.86 | No | 64.81 | N/A | xxx | xxx | xxx |
| 200000859 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 27.74% | 27.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.19 | xxx | 8.19 | No | 90 | N/A | xxx | xxx | xxx |
| 200000841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 35.44% | 35.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 136 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 53.77 | No | 45 | N/A | xxx | xxx | xxx |
| 200000843 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 43.84% | 43.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 53 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 20.25 | xxx | 20.25 | No | 80 | N/A | xxx | xxx | xxx |
| 200000825 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.203 | 1.203 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 39.15 | No | 60.24 | N/A | xxx | xxx | xxx |
| 200000861 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 40.30% | 32.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.74 | xxx | 10.74 | No | 80 | N/A | xxx | xxx | xxx |
| 200000853 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 40.31% | 40.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.81 | xxx | 6.81 | No | 80 | N/A | xxx | xxx | xxx |
| 200000826 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.022 | 1.022 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 17.93 | No | 75 | N/A | xxx | xxx | xxx |
| 200000674 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.48% | 37.48% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 91.47% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 77 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.94 | xxx | 19.94 | No | 80 | N/A | xxx | xxx | xxx |
| 200000671 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 9 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.27 | No | 67.13 | N/A | xxx | xxx | xxx |
| 200000849 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.262 | 1.262 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 37.13 | xxx | 46.51 | No | 80 | N/A | xxx | xxx | xxx |
| 200000805 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 22.74% | 22.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.86 | xxx | 6.86 | No | 80 | N/A | xxx | xxx | xxx |
| 200000770 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.731 | 1.73 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 81.36 | No | 64.26 | N/A | xxx | xxx | xxx |
| 200000860 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.244 | 1.245 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 98.23 | No | 75 | N/A | xxx | xxx | xxx |
| 200000854 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 34.16% | 34.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.55 | xxx | 6.55 | No | 80 | N/A | xxx | xxx | xxx |
| 200000703 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 38.54% | 38.54% | No | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | Yes | Yes | 2 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.53 | xxx | 12.53 | No | 80 | N/A | xxx | xxx | xxx |
| 200000793 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 46.88% | 46.88% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.7 | No | 75 | N/A | xxx | xxx | xxx |
| 200000864 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.409 | 1.409 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 179.75 | xxx | 179.75 | No | 65 | N/A | xxx | xxx | xxx |
| 200000819 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.87% | 45.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.35 | xxx | 4.35 | No | 80 | Yes | xxx | xxx | xxx |
| 200000693 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 42.33% | 42.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.41 | xxx | 92.21 | No | 80 | N/A | xxx | xxx | xxx |
| 200000695 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.565 | 1.565 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.77 | No | 75 | N/A | xxx | xxx | xxx |
| 200000688 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.692 | 1.692 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.91 | No | 75 | N/A | xxx | xxx | xxx |
| 200000807 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.165 | 1.187 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 44.57 | xxx | 44.57 | No | 80 | N/A | xxx | xxx | xxx |
| 200000691 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.079 | 1.079 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 32.66 | xxx | 32.66 | No | 80 | N/A | xxx | xxx | xxx |
| 200000679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 37.96% | 37.96% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.65 | xxx | 18.65 | No | 89.94 | N/A | xxx | xxx | xxx |
| 200000684 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 33.19% | 33.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | USA | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.33 | xxx | 6.33 | No | 80 | N/A | xxx | xxx | xxx |
| 200000687 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 21.70% | 21.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 55.52 | No | 62.43 | N/A | xxx | xxx | xxx |
| 200000846 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 46.47% | 46.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.50 | xxx | 9.5 | No | 80 | N/A | xxx | xxx | xxx |
| 200000847 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 110.52 | No | 80 | N/A | xxx | xxx | xxx |
| 200000685 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 42.76% | 42.76% | Yes | Yes |  |  |  |  |  |  | Unknown | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 38 | 30 | Work Number | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.29 | xxx | 16.29 | No | 85 | N/A | xxx | xxx | xxx |
| 200000697 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.15% | 48.15% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 81.84% | 50.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 16 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.34 | xxx | 7.34 | No | 80 | N/A | xxx | xxx | xxx |
| 200000689 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 49.31% | 49.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.34 | No | 75 | N/A | xxx | xxx | xxx |
| 200000653 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.01% | 22.01% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.69 | xxx | 12.69 | No | 50 | N/A | xxx | xxx | xxx |
| 200000694 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.58% | 30.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 82 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.73 | xxx | 9.73 | No | 80 | N/A | xxx | xxx | xxx |
| 200000887 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.07 | 1.07 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.14 | xxx | 6.14 | No | 80 | N/A | xxx | xxx | xxx |
| 200000852 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.153 | 1.153 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 7.47 | xxx | 15.69 | No | 75 | N/A | xxx | xxx | xxx |
| 200000862 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.788 | 0.788 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 582.84 | xxx | 582.84 | No | 79.81 | N/A | xxx | xxx | xxx |
| 200000844 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.22 | 1.22 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 106.11 | No | 77.88 | N/A | xxx | xxx | xxx |
| 200000863 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 34.67% | 34.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 27.81 | xxx | 27.81 | No | 80 | N/A | xxx | xxx | xxx |
| 200000831 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 12.75 | No | 67.49 | N/A | xxx | xxx | xxx |
| 200000836 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 15.99% | 15.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.97 | xxx | 11.77 | No | 71.43 | N/A | xxx | xxx | xxx |
| 200000875 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.838 | 0.83 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 389.42 | xxx | 389.42 | No | 70 | N/A | xxx | xxx | xxx |
| 200000690 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 8.71% | 8.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 72.87 | No | 66.48 | N/A | xxx | xxx | xxx |
| 200000701 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 39.67% | 39.67% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 174 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 83.83 | xxx | 83.83 | No | 80 | N/A | xxx | xxx | xxx |
| 200000654 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.524 | 1.524 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 70.26 | No | 53.33 | N/A | xxx | xxx | xxx |
| 200000871 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 22.95% | 22.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.14 | xxx | 4.14 | No | 70 | N/A | xxx | xxx | xxx |
| 200000835 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 16.22% | 16.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.42 | xxx | 10.44 | No | 75 | N/A | xxx | xxx | xxx |
| 200000696 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.94% | 38.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 18 | CPA |  |  |  | Yes | 78 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | .00 | xxx | 62.08 | No | 75 | Yes | xxx | xxx | xxx |
| 200000670 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 17.78 | No | 28.08 | N/A | xxx | xxx | xxx |
| 200000702 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.34% | 49.34% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Personal Bank Statements Verified \|\| Co Borrower - SEPartnership - Personal Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.58 | No | 50 | N/A | xxx | xxx | xxx |
| 200000698 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.197 | 1.192 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 463.51 | xxx | 463.51 | No | 52 | N/A | xxx | xxx | xxx |
| 200000878 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.137 | 1.137 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 8.04 | No | 80 | N/A | xxx | xxx | xxx |
| 200000692 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.59% | 24.59% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.79 | No | 80 | N/A | xxx | xxx | xxx |
| 200000823 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.005 | 1.004 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.05 | xxx | 13.05 | No | 80 | N/A | xxx | xxx | xxx |
| 200000683 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.64% | 16.64% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 25.90 | xxx | 25.9 | No | 65 | Yes | xxx | xxx | xxx |
| 200000824 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 46.81% | 46.81% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | Yes |  | Yes | Yes | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.51 | xxx | 8.51 | No | 75 | N/A | xxx | xxx | xxx |
| 200000874 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 41.28% | 41.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.63 | xxx | 126.6 | No | 75 | N/A | xxx | xxx | xxx |
| 200000873 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 11.56% | 11.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 57.78 | xxx | 57.78 | No | 75 | N/A | xxx | xxx | xxx |
| 200000858 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 7.02% | 7.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 70.54 | xxx | 70.54 | No | 75 | N/A | xxx | xxx | xxx |
| 200000699 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.143 | 1.143 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.35 | No | 80 | N/A | xxx | xxx | xxx |
| 200000872 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 | 1 | 1 | 1 | 1 | 1 | Unknown | Unknown | Unknown | Unknown | .00 | .00 | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.093 | 1.093 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 3 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 3 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | 10-16-2030 |  |  | N/A |  |  | Fee Simple | No | Unknown | N/A | xxx | 5.68 | xxx | 5.68 | No | 75 | N/A | xxx | xxx | xxx |
| 200000869 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.029 | 1.029 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.94 | No | 75 | N/A | xxx | xxx | xxx |
| 200000700 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 46.03% | 42.84% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | W2/1099 Verified | 1 | 1 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Missing | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 54 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.27 | xxx | 18.27 | No | 75 | N/A | xxx | xxx | xxx |
| 200000877 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 53.54% | 53.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 55.61 | xxx | 55.61 | No | 75 | Yes | xxx | xxx | xxx |
| 200000868 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 34.39 | xxx | 34.39 | No | 80 | No | xxx | xxx | xxx |
| 200000879 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.39% | 42.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Missing CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 108.8 | No | 70 | N/A | xxx | xxx | xxx |
| 200000880 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 34.21% | 34.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 34.08 | xxx | 34.08 | No | 69.84 | N/A | xxx | xxx | xxx |
| 200000876 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 11.98% | 11.98% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 28.98 | xxx | 28.98 | No | 64.71 | N/A | xxx | xxx | xxx |
| 200000881 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.19 | 1.164 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 29.74 | xxx | 29.74 | No | 80 | N/A | xxx | xxx | xxx |
| 200000884 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.36% | 30.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 127 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.67 | xxx | 12.67 | No | 80 | N/A | xxx | xxx | xxx |
| 200000867 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 49.96% | 49.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 64.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 264 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 4 | 2 | 4 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 38.29 | No | 44.44 | N/A | xxx | xxx | xxx |
| 200000882 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.071 | 1.016 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 16.57 | xxx | 16.57 | No | 73.79 | N/A | xxx | xxx | xxx |
| 200000865 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 1.195 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 123.61 | xxx | 123.61 | No | 80 | N/A | xxx | xxx | xxx |
| 200000866 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.249 | 1.249 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 134.44 | xxx | 134.44 | No | 80 | N/A | xxx | xxx | xxx |
| 200000886 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 42.62% | 42.62% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Other, Other REO Net Rental Income(Loss) - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 328.66 | xxx | 328.66 | No | 70 | N/A | xxx | xxx | xxx |
| 200000885 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.89% | 33.89% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 53.18 | xxx | 53.18 | No | 89.9 | No | xxx | xxx | xxx |
| 200000870 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.422 | 1.422 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 16.98 | No | 70 | N/A | xxx | xxx | xxx |
| 200000855 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.89% | 25.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 59 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 42.02 | xxx | 42.02 | No | 75 | N/A | xxx | xxx | xxx |
| 200000888 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx |  |  | xxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.261 | 1.261 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 126.97 | xxx | 126.97 | No | 80 | N/A | xxx | xxx | xxx |
| 200000883 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.69% | 39.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.33 | xxx | 36.33 | No | 85 | No | xxx | xxx | xxx |

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## Exhibit 99.7

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 200000827 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Missing |  | N/A |  |  | xxx | Actual In Place Rent | No | 84.67 | 1.181 | 1.181 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 14.62 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000023 |  |  | xxx | xxx | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.77 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000828 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | N/A | 2975 | Other | 9 |  | xxx | N/A | No | 99.44 | 1.006 | 1.006 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.41 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000015 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 58.67 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000025 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 10.37 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000040 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.82 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000050 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 102.79 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000073 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000004 |  |  | xxx | xxx | Written Verification of Employment | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.65 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000047 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | Foreign Credit Report | 85.29 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000067 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 8.64 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000068 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 33.14 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000021 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 9.92 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000063 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.19 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000031 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.69 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000060 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.03 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000061 |  |  | xxx | xxx | Written Verification of Employment | Present | Yes |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.82 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000076 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.15 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000829 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Short Term Rental | 10833.33 | Other | 12 |  | xxx | Other | Yes | 73.48 | 1.361 | 1.361 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 51.12 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000081 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.99 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000069 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 39.44 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000830 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 | 1560 | Other | 12 |  | xxx | Other | Yes | 92.19 | 1.101 | 1.085 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.8 | 1 | 1 | N/A | 17 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000054 |  |  | xxx | xxx | 1YR Business P&L | Present | Yes |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 20.4 | 1 | 1 | N/A | 83.7 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000753 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 76.99 | 1.299 | 1.299 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 114.74 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | Full Recourse | xxx |
| 200000083 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.81 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000749 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 64.07 | 1.561 | 1.561 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 73.21 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | United States |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000756 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  |  |  |  | xxx | Actual In Place Rent | No | 84.29 | 1.186 | 1.186 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 18.8 |  | 1 | N/A | 52.75 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000832 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 9.08 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000764 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 87.71 | 1.14 | 1.14 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx |  | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 11.81 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000761 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 85.28 | 1.005 | 1.173 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 7.7 | 1 | 1 | N/A | 46.09 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000833 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 116.6 | 0.985 | 0.858 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 95.77 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 200000772 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 86.54 | 1.156 | 1.156 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 5 | 1 | 1 | N/A | 181.54 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000767 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 86.21 | 1.16 | 1.16 | xxx | xxx | xxx | 1 | xxx | xxx | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 5 | 1 | 1 | N/A | 329.69 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000766 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 87.45 | 1.05 | 1.144 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 5 | 2 | 1 | N/A | 187.02 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000769 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 50.94 | 1.963 | 1.963 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 5 | 1 | 1 | N/A | 454.2 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000778 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 64.74 | 1.54 | 1.545 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 4.1 | 1 | 1 | N/A | 428.98 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000768 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 92.1 | 1.08 | 1.086 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 5 | 1 | 1 | N/A | 330.64 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000839 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 87.41 | 1.144 | 1.144 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 27.24 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000781 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 83.55 | 1.197 | 1.197 | xxx | xxx | xxx | 24 | xxx | xxx | 24 | xxx | xxx | 12 | xxx | xxx | 24 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | 1.1 | 1 | 1 | N/A | 6.99 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000757 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 98.82 | 1.01 | 1.012 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 17.86 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000760 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 93.68 | 1.067 | 1.067 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 94.87 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse |  |
| 200000771 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 82.47 | 1.14 | 1.213 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 4.5 | 1 | 1 | N/A | 45.99 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000706 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 85.11 | 1.175 | 1.175 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.11 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000748 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 93.79 | 1.06 | 1.066 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 20.6 | 1 | 1 | N/A | 98.54 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000838 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 68.03 | 1.528 | 1.47 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 26.08 | No | xxx | Corporation | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000850 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 84.38 | 1.185 | 1.185 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 13.14 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000762 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 97.69 | 1.024 | 1.024 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 263.05 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000809 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 71.05 | 1.41 | 1.408 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 105.69 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000789 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 97.41 | 1.03 | 1.027 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 20.13 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000840 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 92.83 | 1.014 | 1.077 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 61.46 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000856 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 97.56 | 1.012 | 1.025 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.2 | 1 | 1 | N/A | 71.96 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000857 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 98.85 | 1.011 | 1.012 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 10.2 | 1 | 1 | N/A | 76.86 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000837 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 118.17 | 0.846 | 0.846 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 23.15 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000783 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 84.9 | 1.178 | 1.178 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 23.5 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000785 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 87.56 | 1.142 | 1.142 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 14.79 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000707 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 98.86 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000825 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 83.1 | 1.203 | 1.203 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 3.2 | 1 | 1 | N/A | 39.15 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000853 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 6.81 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000826 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 97.89 | 1.022 | 1.022 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 7.8 | 1 | 1 | N/A | 17.93 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000849 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 79.22 | 1.262 | 1.262 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 3.1 | 1 | 1 | N/A | 46.51 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000770 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 57.76 | 1.73 | 1.731 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 9.7 | 1 | 1 | N/A | 81.36 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000860 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 80.37 | 1.245 | 1.244 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 4.5 | 1 | 1 | N/A | 98.23 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000793 |  |  | xxx | xxx | 24 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  | N | 0 | xxx | xxx | xxx | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 33.7 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000864 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 70.97 | 1.409 | 1.409 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 179.75 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000695 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 63.9 | 1.565 | 1.565 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.8 | 1 | 1 | N/A | 24.77 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 200000688 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 59.09 | 1.692 | 1.692 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.5 | 2 | 1 | N/A | 11.91 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 200000807 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 85.81 | 1.187 | 1.165 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 44.57 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000691 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 92.68 | 1.079 | 1.079 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 32.66 | Yes | xxx | Corporation | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 200000847 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.01 | 1.01 | 1.01 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 110.52 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000685 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.29 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000887 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 93.45 | 1.07 | 1.07 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.14 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000852 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 86.72 | 1.153 | 1.153 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1 | 1 | 1 | N/A | 15.69 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000862 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 126.85 | 0.788 | 0.788 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 582.84 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000844 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 81.99 | 1.22 | 1.22 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 106.11 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000831 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 99.96 | 1 | 1 | xxx | xxx | xxx | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 3.3 | 1 | 1 | N/A | 12.75 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000875 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 119.29 | 0.83 | 0.838 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 389.42 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000654 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 65.62 | 1.524 | 1.524 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | 13.5 | 1 | 1 | N/A | 70.26 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000670 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.84 | 1.001 | 1.002 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 20.2 | 1 | 1 | N/A | 17.78 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000698 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 83.53 | 1.192 | 1.197 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 463.51 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000878 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 87.94 | 1.137 | 1.137 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.1 | 1 | 1 | N/A | 8.04 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000692 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | N | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 28.79 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000823 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.53 | 1.004 | 1.005 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 13.05 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000873 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 57.78 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000699 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 87.49 | 1.143 | 1.143 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 18.35 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000872 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 91.49 | 1.093 | 1.093 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 5.68 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000869 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 97.17 | 1.029 | 1.029 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 20.94 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000879 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 9 | 1 | 1 | N/A | 108.8 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000881 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 84.04 | 1.164 | 1.19 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.74 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| 200000884 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.67 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000882 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 93.33 | 1.016 | 1.071 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.2 | 1 | 1 | N/A | 16.57 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000865 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 83.63 | 1.195 | 1.196 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 123.61 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000866 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 80.05 | 1.249 | 1.249 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 134.44 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000870 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 70.34 | 1.422 | 1.422 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | 0.4 | 1 | 1 | N/A | 16.98 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 200000888 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 79.31 | 1.261 | 1.261 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 126.97 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

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## Exhibit 99.7

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 200000007 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000827 |  | D A C | Closed | FCRE1118 | 2025-04-17 03:52 | 2025-04-24 09:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/24/2025 <br>Ready for Review-we allow for the individual to sign the note vs. a personal guarantee. please escalate - Buyer-04/23/2025 <br>Open-Borrower 1 Signature does not match Note , Signed as LLC - Due Diligence Vendor-04/17/2025 |  | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000827 |  | D A C | Closed | FCOM1511 | 2025-04-17 16:56 | 2025-04-22 09:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Signed Final SS provided. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-04/21/2025 <br>Open-Closing/Settlement Disclosure Missing<br> - Due Diligence Vendor-04/17/2025 |  | Resolved-Signed Final SS provided. - Due Diligence Vendor-04/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000827 |  | D A C | Closed | FCRE1198 | 2025-04-21 06:35 | 2025-04-22 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 14.62 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Rebut - please see attached. - Buyer-04/21/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 12 - Due Diligence Vendor-04/21/2025 |  | Resolved-Audited Reserves of 14.62 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-04/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000827 |  | D A C | Closed | FPRO1242 | 2025-04-17 05:47 | 2025-04-22 08:59 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/21/2025 <br>Open-Appraisal is Missing Not Provided - Due Diligence Vendor-04/17/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-04/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000008 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000014 |  | C A | Closed | FPRO1136 | 2025-04-25 10:20 | 2025-05-02 12:20 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, <br> the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully <br> Present In need of Appraisal completion report which is missing in file per pg xxx in file - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.63% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.98 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.98% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000017 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000005 |  | C A | Closed | FCRE5774 | 2025-04-30 10:34 | 2025-05-06 10:49 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Ready for Review-Rebuttal/Comment: We don't need credit inquiry for this file as the inquiry made on xxx and current, matches the credit report ordered date - Seller-05/05/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please note that the xxx is the credit report company, LOE is not N/A - Seller-05/01/2025 <br> Open-Borrower 1 Credit Report is Partially Present. In need of Inquiry explanation letter for the last 90 days per guidelines. Not in file - Due Diligence Vendor-04/30/2025 | Ready for Review-Rebuttal/Comment: We don't need credit inquiry for this file as the inquiry made on xxx and current, matches the credit report ordered date - Seller-05/05/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please note that the xxx is the credit report company, LOE is not N/A - Seller-05/01/2025 |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | x | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000011 |  | C A | Closed | finding-3540 | 2025-04-29 17:36 | 2025-05-01 08:14 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-\*\*\* Evidence of the Revised CD delivery date, sent xxx, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.29 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.61% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.91% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.50 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000016 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000020 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000012 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000023 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000828 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000013 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000018 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000002 |  | C A | Closed | FCRE1198 | 2025-05-11 03:12 | 2025-05-28 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.56 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Please refer to page xxx-xxx and xxx-xxx of the loan package and regarding the reserves it is enough and no short of funds. <br>Reserves required: 9\*$xxx=$xxx<br> Verified assets - Reserves = $xxx-$xxx=$xxx<br>Available assets for funds to close is= $xxx+$xxx=$xxx<br>Final Cash to Close = $xxx<br> $xxx-$xxx=$xxx<br>- Seller-05/23/2025 <br> Open-Audited Reserves of 4.12 are less than Guideline Required Reserves of 9 Provide documentation to support receipt of earnest money deposit for $xxx. - Due Diligence Vendor-05/11/2025 | Ready for Review-Please refer to page xxx-xxx and xxx-xxx of the loan package and regarding the reserves it is enough and no short of funds. <br>Reserves required: 9\*$xxx=$xxx<br> Verified assets - Reserves = $xxx-$xxx=$xxx<br>Available assets for funds to close is= $xxx+$xxx=$xxx<br>Final Cash to Close = $xxx<br> $xxx-$xxx=$xxx<br>- Seller-05/23/2025 | Resolved-Audited Reserves of 9.56 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-05/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000024 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000053 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000015 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000028 |  | C A | Closed | FCRE1198 | 2025-05-20 10:44 | 2025-05-27 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.92 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/27/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 Audited reserve requirement of $xxx were not met. - Due Diligence Vendor-05/20/2025 |  | Resolved-Audited Reserves of 10.92 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/27/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Bor's credit usage is less than 1%. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - The 21% dti is 28% below the max dti of 49% allowed. Calculated DTI Of 20.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - The 65% ltv is 15% below the maximum ltv allowed. Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualified fico score of xxx is 96 above the minimum required. Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000028 |  | C A | Closed | FCRE7000 | 2025-05-20 10:36 | 2025-05-27 13:26 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Please note <br> Reserves required: 6\*$xxx=$xxx<br> Verified assets - Reserves = $xxx-$xxx=$xxx<br>Available assets for funds to close is=$xxx + Fund to close $xxx<br> Final Cash to Close = $xxx<br> $xxx-$xxx=$xxx<br>Reserves is enough, no short of funds - Seller-05/23/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Insufficient assets to close and to cover required 6 months reserves. Per Closing Disclosure, cash-to-close of $xxx. 6 months PITIA reserves (6x$xxx = $xxx) plus funds for xxx $xxx arrives at total needed to be verified of $xxx. Loan file reflects a total of $xxx (which matches 1003 figures) for a shortage of $xxx. - Due Diligence Vendor-05/20/2025 | Ready for Review-Please note <br> Reserves required: 6\*$xxx=$xxx<br> Verified assets - Reserves = $xxx-$xxx=$xxx<br>Available assets for funds to close is=$xxx + Fund to close $xxx<br> Final Cash to Close = $xxx<br> $xxx-$xxx=$xxx<br>Reserves is enough, no short of funds - Seller-05/23/2025 | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/27/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Bor's credit usage is less than 1%. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - The 21% dti is 28% below the max dti of 49% allowed. Calculated DTI Of 20.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - The 65% ltv is 15% below the maximum ltv allowed. Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualified fico score of xxx is 96 above the minimum required. Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000001 |  | D A | Closed | FCOM8227 | 2025-05-21 15:37 | 2025-05-22 09:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-\*\*Received Initial LE - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-\*\*\* Initial Loan Estimate, dated xxx, (required to be provided to the consumer within 3 business days after application), has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-\*\*Received Initial LE - Due Diligence Vendor-05/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Bor with 21 years job stability. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.01 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Bor with 21 years job stability. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Reserves of 98 mos exceeds min 6 mos required. Months Reserves Of 98.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - DTI of 19.56% is 30% below max DTI. Calculated DTI Of 19.56% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Bor fico of 694 exceeds min 680 required. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit usage of less than 1%. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000009 |  | C B A | Closed | FCRE1193 | 2025-05-20 10:46 | 2025-06-02 14:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Approved Lender Exception: Exception provided exceed guidelines DTI of 49% - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. re-uploaded exception with decision date - Seller-05/29/2025 <br> Counter-The Approved Lender Exception form is missing the "Decision date and is cutoff at the bottom. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exception provided exceeds guideline DTI of 49%.<br> 1. Great CR Score (xxx)<br> 2. Great Tradeline<br> 3. Closed with own funds - Seller-05/27/2025 <br> Counter-Document Uploaded. Property located at xxx per Mortgage statement is an Interest only Loan with taxes & Insurance Escrowed totaling $xxx monthly payment. Full Payment was used for Ratios which exceeds max guidelines amount of 49%. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please note that our UW calculated only the P&I since the Tax Insurance is recalculated with our current transaction. - Seller-05/22/2025 <br> Open-Audited DTI of 49.71% exceeds Guideline DTI of 49% PITIA of $xxx given for REO of xxx taken from credit report (pg xxx) with Last activity date of xxx, current mortgage statement (pg xxx) validates a monthly mortgage payment of xxx - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. re-uploaded exception with decision date - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exception provided exceeds guideline DTI of 49%.<br> 1. Great CR Score (xxx)<br> 2. Great Tradeline<br> 3. Closed with own funds - Seller-05/27/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please note that our UW calculated only the P&I since the Tax Insurance is recalculated with our current transaction. - Seller-05/22/2025 | Waived-Approved Lender Exception: Exception provided exceed guidelines DTI of 49% - Due Diligence Vendor-06/02/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.21 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Great CR Score (xxx)<br> Great Tradeline<br> Closed with own funds | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 200000009 |  | C B A | Closed | FCRE1198 | 2025-05-20 10:46 | 2025-05-27 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Ready for Review-xxx - Rebuttal/Comment: per submitted Bank Statements we have enough reserves/funds to cover 6 months reserve of $xxx (xxx \*6) + Cash to Close $xxx<br> $xxx - Total Reserves/Funds required - Seller-05/22/2025 <br> Open-Audited Reserves of 4.83 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/20/2025 | Ready for Review-xxx - Rebuttal/Comment: per submitted Bank Statements we have enough reserves/funds to cover 6 months reserve of $xxx (xxx \*6) + Cash to Close $xxx<br> $xxx - Total Reserves/Funds required - Seller-05/22/2025 |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.21 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000025 |  | C A | Closed | FCRE1194 | 2025-05-21 19:45 | 2025-05-23 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Please note that per guidelines investment properties max LTV is 75%, and that the LTV that we have on property. - Seller-05/22/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% LTV is 5% higher than max allowed. No exception in file. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please note that per guidelines investment properties max LTV is 75%, and that the LTV that we have on property. - Seller-05/22/2025<br>| Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000033 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000035 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000019 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000022 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000037 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000041 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000046 |  | C A | Closed | FCRE1167 | 2025-05-17 10:18 | 2025-05-28 12:45 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/28/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please refer to the Notes in Hazard Policy, as it has an additional Amount Insurance for Coverage A for 25% - Seller-05/23/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx . <br> Dwelling amount doesnt cover the loan amount . Replacement cost is not provided in the file . - Due Diligence Vendor-05/17/2025 | Ready for Review-xxx - Rebuttal/Comment: Please refer to the Notes in Hazard Policy, as it has an additional Amount Insurance for Coverage A for 25% - Seller-05/23/2025 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000056 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000062 |  | D A | Closed | FCRE3978 | 2025-05-19 17:51 | 2025-05-27 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Credit Inquires LOE provided. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/22/2025 <br>Open-Missing LOE for credit inquires. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-Credit Inquires LOE provided. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000006 |  | C A | Closed | FCRE1148 | 2025-05-23 13:11 | 2025-05-28 11:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien Loan Amount | Resolved-Title Coverage Amount of $xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-05/28/2025 <br> Resolved-Title Supplement provided. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/23/2025 <br> Open-Title Coverage is Less than Subject Lien Loan Amount Proposed Title Coverage of $xxx is Less than Subject Lien Loan Amount of $xxx. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Title Coverage Amount of xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-05/28/2025 <br> Resolved-Title Supplement provided. - Due Diligence Vendor-05/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points. Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More. Original LTV Of 37.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.77 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months. Months Reserves Of 32.77 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000030 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000034 |  | C B A | Closed | finding-3939 | 2025-05-21 19:27 | 2025-06-12 14:51 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE and restitution check provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation is insufficient. The Renewal and Extension credit cannot reduce the amount of the finance charge and total of payments disclosed to the borrower. This credit is not for a pre-paid finance charge. \*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Counter-Documentation provided does not address the restitution. \*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx, xxx, xxx and xxx. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Lock date of xxx, precedes the application date of xxx. Documentation provided does not indicate a reason for this discrepancy. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 | Resolved-Locked LE and restitution check provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000034 |  | C B A | Closed | finding-3732 | 2025-05-21 19:27 | 2025-06-12 14:50 | Cured | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation is insufficient. The Renewal and Extension credit cannot reduce the amount of the finance charge and total of payments disclosed to the borrower. This credit is not for a pre-paid finance charge. \*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Counter-Documentation provided does not address the restitution. \*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. uploaded Closing Disclosure (V1) Pricing Change due to Lock extension - Seller-05/28/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the RESPA figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $xxx and the provided reimbursement amount of $xxx is not sufficient to cure the inaccuracy. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. uploaded Closing Disclosure (xxx) Pricing Change due to Lock extension - Seller-05/28/2025 | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000034 |  | C B A | Closed | finding-3734 | 2025-05-21 19:27 | 2025-06-12 14:50 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation is insufficient. The Renewal and Extension credit cannot reduce the amount of the finance charge and total of payments disclosed to the borrower. This credit is not for a pre-paid finance charge. \*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Counter-Documentation provided does not address the restitution. \*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/29/2025 <br> Ready for Review-uploaded Closing Disclosure (V1) Pricing Change due to Lock extension - Seller-05/28/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the RESPA figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $xxx. The disclosed total of payments charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Ready for Review-uploaded Closing Disclosure (xxx) Pricing Change due to Lock extension - Seller-05/28/2025 | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000034 |  | C B A | Closed | finding-651 | 2025-05-21 19:27 | 2025-06-12 14:50 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation is insufficient. The Renewal and Extension credit cannot reduce the amount of the finance charge and total of payments disclosed to the borrower. This credit is not for a pre-paid finance charge. \*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Counter-Documentation provided does not address the restitution. \*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/29/2025 <br> Ready for Review-uploaded Closing Disclosure (V1) Pricing Change due to Lock extension - Seller-05/28/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the RESPA figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Ready for Review-uploaded Closing Disclosure (xxx) Pricing Change due to Lock extension - Seller-05/28/2025 | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000034 |  | C B A | Closed | finding-2504 | 2025-05-21 19:27 | 2025-06-12 14:49 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Documentation is insufficient. The Renewal and Extension credit cannot reduce the amount of the finance charge and total of payments disclosed to the borrower. This credit is not for a pre-paid finance charge. \*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Counter-Documentation provided does not address the restitution. \*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the Finance Charge and Total of Payment figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. uploaded Closing Disclosure (V1) Pricing Change due to Lock extension - Seller-05/28/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge & Total of Payments variance of $xxx. \*\*\*\*\*\* Per lender detail report, The $xxx renewal & extension lender policy CREDIT has been used to reduce the RESPA figures disclosed to the borrower.---- Copy of the restitution check and proof of mailing to the borrower (cannot be cleared with a PCCD nor is a PCCD required). - Due Diligence Vendor-05/27/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and COC on adding the Title - Renewal and Extension /2yr with amount of -$xxx, please note that that it does not have impact as the amount is negative. - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. uploaded Closing Disclosure (xxx) Pricing Change due to Lock extension - Seller-05/28/2025 | Cured-Copy of restitution check, LOE and proof of mailing provided - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000040 |  | C A | Closed | FCRE1140 | 2025-05-26 14:42 | 2025-05-29 08:40 | Resolved | 1 - Information C A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Property taxes are current - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. xxx - uploaded Tax Bill reflecting Tax Rate xxx% <br> Price $xxx \* Tax rate xxx% = $xxx /12 = $xxxmo - Seller-05/27/2025 <br> Open-Provide evidence of how taxes were determined at $xxx monthly. - Due Diligence Vendor-05/26/2025 | Ready for Review-Document Uploaded. xxx - uploaded Tax Bill reflecting Tax Rate xxx% <br> Price $xxx \* Tax rate xxx% = $xxx /12 = $xxxmo - Seller-05/27/2025 | Resolved-Property taxes are current - Due Diligence Vendor-05/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.46 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000043 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000049 |  | D A | Closed | FCRE1241 | 2025-05-20 20:34 | 2025-05-29 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-Purchase Contract Is Missing - currently only have Addendum #2 on pg. xxx - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000050 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000058 |  | C A | Closed | FCRE1440 | 2025-05-24 21:51 | 2025-05-29 08:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please note that per guidelines VOR/rent free is required If borrower(s) is living rent free and purchasing an investment property, subject property it's a primary residence. - Seller-05/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need new executed rent free letter of explanation from borrowers parents stating borrower has been living with them and for how long/ stating rent free. Current rent free letter on pg xxx is from borrower and borrower signed which is not sufficient. - Due Diligence Vendor-05/25/2025 | Ready for Review-Document Uploaded. Please note that per guidelines VOR/rent free is required If borrower(s) is living rent free and purchasing an investment property, subject property it's a primary residence. - Seller-05/27/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/29/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.62% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000036 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000048 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000042 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000045 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000057 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000077 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000029 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000044 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000065 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000010 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000027 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000032 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000038 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000047 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000064 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000067 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000068 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000070 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000074 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000039 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000059 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000066 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000747 |  | D A | Closed | FCRE8728 | 2025-06-03 10:03 | 2025-06-06 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Payment History | Resolved-CBR Supplement provided for HELOC Loan. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Documentation to support 24-months of on-time payments for the xxx HELOC - xxx was not provided. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-CBR Supplement provided for HELOC Loan. - Due Diligence Vendor-06/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.99 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.98 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 200000747 |  | D A | Closed | FVAL1310 | 2025-05-29 14:56 | 2025-06-06 12:12 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-HOA Questionnaire Document status is Missing. Provide the completed Condominium Questionnaire for xxx. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.99 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.98 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 200000021 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000052 |  | D A | Closed | FCRE6843 | 2025-06-04 01:00 | 2025-06-10 10:42 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated 1003 provided removing Gift Funds as they were not used. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see updated final 1003. We did not use the $xxx gift. - Seller-06/06/2025 <br> Counter-Document Uploaded. The Final 1003 states Gift Funds iao $xxx not deposited from a relative. Missing Gift letter and proof of Wire of Gift Funds sent to escrow/Title Company - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Please note that this fund is from borrower's business funds- xxx. - Seller-06/04/2025 <br> Open-The Final 1003 shows a gift in the amount of $xxx. The file is missing a copy of the gift letter. A wire transfer in the amount of $xxx indicated the wire came from the Borrower's business. Was this the gift? or were business funds used? - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see updated final 1003. We did not use the $xxx gift. - Seller-06/06/2025 <br> Ready for Review-Please note that this fund is from borrower's business funds- xxx. - Seller-06/04/2025 | Resolved-Updated 1003 provided removing Gift Funds as they were not used. - Due Diligence Vendor-06/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000052 |  | D A | Closed | FCRE3978 | 2025-06-04 00:54 | 2025-06-06 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Credit Inquires provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-Guidelines require a letter of explanation all credit inquiries made in the previous 90 days. The file was missing a letter of explanation for inquiries . - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Credit Inquires provided. - Due Diligence Vendor-06/06/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000072 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000080 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000026 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000063 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000071 |  | D A | Closed | FCRE1764 | 2025-06-03 15:58 | 2025-06-06 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-New Loan Documents provided for xxx - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Missing new PITIA for xxx. Simultaneous loan Cash out. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-New Loan Documents provided for xxx - Due Diligence Vendor-06/06/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.18% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000082 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000031 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000060 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000075 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000061 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000076 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000829 |  | D A | Closed | FCRE1468 | 2025-06-07 13:52 | 2025-06-10 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Please see attached final CD from which the proceeds came from for the subject transaction. - Buyer-06/08/2025 <br>Open-Asset 2 Missing Missing signed FInal CD showing house sold - Due Diligence Vendor-06/07/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.91 Are Greater Than The Guideline Minimum Of 0.6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000081 |  | C A | Closed | FCRE1457 | 2025-06-09 16:19 | 2025-06-12 12:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Asset 3 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-06/12/2025 <br> Ready for Review-xxx: xxx ##xxx, we have bank statements from xxx to xxx and proof of transaction activity until xxx. Since loan closed xxx, this is a proof that account has been opened already for 2 months. Since this is No-QM, we do not require to check for any large deposit but only to check for the 2 months seasoning. - Seller-06/11/2025 <br> Counter-the xxx #xxx reflects 1 month and Guidelines require 2 months. Loan closed xxx - Due Diligence Vendor-06/11/2025 <br> Ready for Review-xxx: The whole purpose of 2 months requiring is to see 2 months bank statement is for "SEASONING". We have bank statement from xxx to xxx and our loan closed on xxx which shows borrower open the account more than 2 months. - Seller-06/10/2025 <br> Open-Asset 3 Less Than 2 Months Verified - Due Diligence Vendor-06/09/2025 | Ready for Review-xxx: xxx ##xxx, we have bank statements from xxx to xxx and proof of transaction activity until xxx. <br> Since loan closed xxx, this is a proof that account has been opened already for 2 months. Since this is No-QM, we do not <br> require to check for any large deposit but only to check for the 2 months seasoning. - Seller-06/11/2025 <br> Ready for Review-xxx: The whole purpose of 2 months requiring is to see 2 months bank statement is for "SEASONING". <br> We have bank statement from xxx to xxx and our loan closed on xxx which shows borrower open the account more <br> than 2 months. - Seller-06/10/2025 | Resolved-Asset 3 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.23% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000078 |  | D A | Closed | FCRE7497 | 2025-06-11 13:21 | 2025-06-12 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1003 and 1008 - Seller-06/11/2025 <br> Open-Provide all supporting documentation to verify PITIA for property located at xxx. Lender came up with total of xxx. QC was only able to verify $xxx (pg. xxx, xxx). - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Uploaded revised 1003 and 1008 - Seller-06/11/2025<br>| Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-06/12/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.31 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000069 |  | D A | Closed | FCRE9814 | 2025-06-12 12:19 | 2025-06-16 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-Missing Trust Agreement - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>|  |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000084 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000830 |  | D A | Closed | FCRE1157 | 2025-06-16 00:08 | 2025-06-19 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/17/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/16/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/19/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000085 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000054 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000753 |  | D A | Closed | FCOM1477 | 2025-06-18 15:40 | 2025-06-23 13:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. Rate lock - Buyer-06/20/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/18/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000083 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000749 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000765 |  | D A C | Closed | FCRE1201 | 2025-06-24 15:40 | 2025-06-27 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Seller-06/26/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Fraud Report - Seller-06/26/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000765 |  | D A C | Closed | FCOM4227 | 2025-06-24 14:50 | 2025-06-26 07:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD & RCD's received, data entered, no additional compliance findings. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Initial Closing Disclosure - Seller-06/26/2025 <br>Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Initial Closing Disclosure - Seller-06/26/2025<br>| Resolved-ICD & RCD's received, data entered, no additional compliance findings. - Due Diligence Vendor-06/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000756 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000832 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000752 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000764 |  | D A | Closed | FCRE2000 | 2025-07-02 18:40 | 2025-07-07 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. The purchase price is $xxx - Buyer-07/03/2025 <br> Open-Purchase Contract is Partial copy. Purchase contract does not show details regarding final purchase price pg xxx for subject property at xxx - Due Diligence Vendor-07/02/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-07/07/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000761 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000759 |  | D A | Closed | FCRE2109 | 2025-07-02 10:16 | 2025-07-10 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-07/09/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide the lender Bank Statement Income Worksheet. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-07/09/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.93 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000833 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000772 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000767 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000766 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000769 |  | C A | Closed | FCOM5814 | 2025-07-08 08:24 | 2025-07-09 07:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Final signed and dated CD provided. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Final CD signed and dated - Buyer-07/08/2025 <br>Open-Closing Disclosure not signed. - Due Diligence Vendor-07/08/2025 |  | Resolved-Final signed and dated CD provided. - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 454.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000769 |  | C A | Closed | FPRO1245 | 2025-07-03 10:05 | 2025-07-09 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see Recert of value. Effective date s xxx. Thanks. - Buyer-07/08/2025 <br> Open-Primary Value Appraisal is Expired Appraisal is greater than 120 days old. - Due Diligence Vendor-07/03/2025 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 454.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 200000778 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000768 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000839 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000781 |  | D A C | Closed | FPRO9736 | 2025-07-09 10:38 | 2025-07-16 08:10 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Counter-The UCDP/SSR docs provided do not reflect a CU or LCA score. a Desk review is required. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-CU score not provided. Provide third party valuation. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Desk review provided - Due Diligence Vendor-07/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000781 |  | D A C | Closed | FCRE1198 | 2025-07-07 20:17 | 2025-07-11 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.99 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See the attached CD's for the cash out to the borrowers.<br>Netted $xxx – property owned xxx<br> Netted $xxx – property owned xxx - Seller-07/10/2025 <br> Open-Audited Reserves of 2.46 are less than Guideline Required Reserves of 9 Audited Reserves of 1.86 are less than Guideline Required Reserves of 9. Assets were missing for reserves - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. See the attached CD's for the cash out to the borrowers.<br>Netted $xxx – property owned xxx<br> Netted $xxx – property owned xxx - Seller-07/10/2025 | Resolved-Audited Reserves of 6.99 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000781 |  | D A C | Closed | FCRE1491 | 2025-07-08 18:31 | 2025-07-11 10:59 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. See the attached CD's for the cash out to the borrowers.<br>Netted $xxx – property owned xxx<br> Netted $xxx – property owned xxx - Seller-07/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing assets required for reserves - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. See the attached CD's for the cash out to the borrowers.<br>Netted $xxx – property owned xxx<br> Netted $xxx – property owned xxx - Seller-07/10/2025 | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-07/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000781 |  | D A C | Closed | FCRE5770 | 2025-07-07 20:07 | 2025-07-10 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/10/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000834 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000757 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000779 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000848 |  | C A | Closed | FCRE1443 | 2025-07-09 14:39 | 2025-07-14 13:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/12/2025 <br> Open-Asset 2 Expired - xxx #xxx iao $xxx - latest statement provided is dated xxx. - Due Diligence Vendor-07/10/2025 |  | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-07/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000848 |  | C A | Closed | FCRE1445 | 2025-07-10 09:46 | 2025-07-14 13:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/12/2025 <br> Open-Asset 3 - xxx #xxx iao $xxx is expired. Last statement provided is dated xxx. - Due Diligence Vendor-07/10/2025 |  | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-07/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000848 |  | C A | Closed | FCRE8611 | 2025-07-09 14:33 | 2025-07-14 12:46 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-xxx, xxx & xxx bank statements provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/12/2025 <br> Open-Missing xxx, xxx, & xxx months bank statements to verify income from xxx #xxx. - Due Diligence Vendor-07/09/2025 |  | Resolved-xxx, xxx & xxx bank statements provided. - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000760 |  | D A | Closed | FCRE8639 | 2025-08-29 10:51 | 2025-09-02 08:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Personal Guaranty is Missing. Note executed by entity members and not individually. Personal Guaranty from three member signors is required. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000771 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000706 |  | D B A | Closed | FCRE6019 | 2025-07-10 02:19 | 2025-07-11 08:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. patriot act form - Buyer-07/10/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing Driver's License and/or Patriot Act title closing doc shows ID used. - Due Diligence Vendor-07/10/2025 |  | Resolved-USA Patriot Act provided - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000706 |  | D B A | Closed | FCRE1201 | 2025-07-10 02:55 | 2025-07-11 08:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. fraud guard - Buyer-07/10/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/10/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000706 |  | D B A | Closed | FCRE1194 | 2025-07-10 14:33 | 2025-07-11 08:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Approved Lender Exception: Exception to 80% LTV/CLTV - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. exception request and approval - Buyer-07/10/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Missing lender exception for Max LTV for 2-4 units is 75%, otherwise 80% - Due Diligence Vendor-07/10/2025 |  | Waived-Approved Lender Exception: Exception to 80% LTV/CLTV - Due Diligence Vendor-07/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 200000754 |  | D A | Closed | FCOM8891 | 2025-07-11 10:59 | 2025-07-14 14:21 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Complete Closing Package received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. closing docs - Buyer-07/11/2025 <br>Open-Complete executed Closing Package, has not been provided - Due Diligence Vendor-07/11/2025 |  | Resolved-Complete Closing Package received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FCOM1797 | 2025-07-10 11:06 | 2025-07-14 14:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. initial disclosure pkg - Buyer-07/11/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*. Please provide copy of all initial disclosures issued to the borrower within 3 days of application - Due Diligence Vendor-07/11/2025 <br> Open-Service provider list is missing. - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | finding-3631 | 2025-07-10 11:06 | 2025-07-14 14:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025 <br> Open-\*\* Written service provider List has not been provided. Per SFA all title charges are subject to 10% testing if documentation provided is missing the SPL material document. \*\*Service provider list issued within 3 days of application showing the borrower DID shop, or 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025<br>| Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | finding-3632 | 2025-07-10 11:06 | 2025-07-14 14:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. initial disclosure pkg - Buyer-07/11/2025 <br> Open-\*\* Written service provider List has not been provided. Per SFA all title charges are subject to 10% testing if documentation provided is missing the SPL material document. \*\*Service provider list issued within 3 days of application showing the borrower DID shop, or 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | finding-3635 | 2025-07-10 11:06 | 2025-07-14 14:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025 <br> Open-\*\* Written service provider List has not been provided. Per SFA all title charges are subject to 10% testing if documentation provided is missing the SPL material document. \*\*Service provider list issued within 3 days of application showing the borrower DID shop, or 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/11/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025<br>| Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | finding-3625 | 2025-07-11 11:31 | 2025-07-14 14:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025 | Ready for Review-Document Uploaded. initial disclosures - Seller-07/11/2025<br>| Resolved-Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FCOM1266 | 2025-07-10 11:05 | 2025-07-14 14:13 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. initial disclosure pkg - Buyer-07/11/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*. Please provide copy of all initial disclosures issued to the borrower within 3 days of application - Due Diligence Vendor-07/11/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*. Please provide copy of all initial disclosures issued to the borrower within 3 days of application - Due Diligence Vendor-07/10/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FVAL1310 | 2025-07-10 08:44 | 2025-07-14 09:25 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Condo/HOA questionnaire - Seller-07/11/2025 <br> Open-HOA Questionnaire Document status is Missing. . Provide completed HOA questionnaire for the xxx. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Condo/HOA questionnaire - Seller-07/11/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FCRE1176 | 2025-07-10 08:45 | 2025-07-14 09:25 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. HO6 effective date 6/25 - Seller-07/11/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. HO6 effective date xxx - Seller-07/11/2025 | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FCRE1201 | 2025-07-10 08:47 | 2025-07-14 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Fraud guard - Seller-07/11/2025 <br>Open-Missing Third Party Fraud Report . As stated in guidelines, All loans must include a third-party fraud detection report for all borrowers and/or guarantors. Report findings must cover standard areas of quality control including, but not limited to borrower validation, social security number verification, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed by the seller. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Fraud guard - Seller-07/11/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000754 |  | D A | Closed | FCOM1232 | 2025-07-10 01:42 | 2025-07-14 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. final 1003 signed - Buyer-07/11/2025 <br>Open-The Final 1003 is Missing \*\*\*\*\*\*\*\*Complete executed Closing Package, has not been provided - Due Diligence Vendor-07/11/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000845 |  | D A | Closed | FCRE1161 | 2025-07-09 16:04 | 2025-07-14 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-07/12/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/09/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/14/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000842 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000748 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000838 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000850 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000851 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000686 |  | D A | Closed | FCRE2109 | 2025-07-15 09:40 | 2025-07-17 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.71 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000801 |  | C A | Closed | FCRE1501 | 2025-07-16 08:54 | 2025-07-17 13:34 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Per Guidelines: Asylum – Individuals granted asylum are eligible, documentation includes "one" of the following: Form I-94 with a stamp or notation, such as "asylum granted indefinitely" - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Borrower is Non-Permanent Resident Alien. Missing identification docs. USA Patriot Act provided in file. Provide Visa. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Per Guidelines: Asylum – Individuals granted asylum are eligible, documentation includes "one" of the following: Form I-94 with a stamp or notation, such as "asylum granted indefinitely" - Due Diligence Vendor-07/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000656 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000762 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000777 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000680 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000809 |  | D B A | Closed | FCRE1194 | 2025-07-16 13:48 | 2025-07-22 11:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Approved Lender Exception: The exception is for cash out seasoning less than 6 months and loan amount below $xxx ($xxx). - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Exception - Buyer-07/21/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Missing approved exception to allow 75% LTV for loan amount under $xxx for cash out refi per guides dated xxx xxx with max of 70% LTV. - Due Diligence Vendor-07/16/2025 |  | Waived-Approved Lender Exception: The exception is for cash out seasoning less than 6 months and loan amount below xxx - Due Diligence Vendor-07/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Has lease in place for xxx more than market rent being used in DSCR calc.<br> DSCR Ratio 1.32<br> 5+ years of owning another investment properties as well as strong mortgage history on<br> current primary.<br> Clean credit, no derogatory.<br> Borrower just purchased in February | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 200000809 |  | D B A | Closed | FCRE1161 | 2025-07-15 07:10 | 2025-07-18 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br>Open-Missing Flood Certificate. - Due Diligence Vendor-07/15/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000809 |  | D B A | Closed | FCRE1200 | 2025-07-16 13:48 | 2025-07-16 14:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception approved to allow cash out seasoning less than 6 months and loan amount below $xxx ($xxx). - Due Diligence Vendor-07/16/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception approved to allow cash out seasoning less than 6 months and loan amount below xxx. - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Has lease in place for xxx more than market rent being used in DSCR calc. DSCR Ratio 1.32. 5+ years of owning another investment properties as well as strong mortgage history on current primary. Clean credit, no derogatory.<br> Borrower just purchased in xxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 200000799 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000789 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000840 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000782 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000705 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 200000792 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000856 |  | D A | Closed | FCOM8844 | 2025-07-16 15:54 | 2025-07-23 11:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Signed Loan Agreement Notice provided. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. see attached, sorry it is a document that our xxx doc attorney (xxx) draw for us. see attached.<br>- Buyer-07/21/2025 <br> Counter-Document Uploaded. Apologizes for the confusion: Please see document attached. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-what loan agreement are you referring to? - Buyer-07/18/2025 <br> Open-Loan Agreement not executed. Provide executed version. - Due Diligence Vendor-07/16/2025 |  | Resolved-Signed Loan Agreement Notice provided. - Due Diligence Vendor-07/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000857 |  | D A | Closed | FCRE8639 | 2025-07-16 07:27 | 2025-07-17 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/17/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-07/16/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-07/17/2025<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000837 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000783 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000785 |  | D A | Closed | FCRE1467 | 2025-07-18 09:36 | 2025-07-29 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Counter-Missing Bank statement for xxx #xxx with available balance of $xxx per updated 1003 that was provided. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Document Uploaded. Per Guidelines: 6 Months reserves required ($xxx) - Final 1003 states xxx account ending #xxx $xxx being used - Gift Funds already included in the CTC and 1008 states verified Assets to be $xxx - Missing reserves - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. These are gift funds - Seller-07/23/2025 <br> Open-Asset 1 Missing Asset account with xxx account ending #xxx submitted in transaction with balance of $xxx is not found in the file. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. These are gift funds - Seller-07/23/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-07/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000804 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000707 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000859 |  | D A | Closed | FCRE1316 | 2025-07-22 10:43 | 2025-07-24 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached CPA that was in the file and is dated within 30 days of the note date. - Buyer-07/23/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000841 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000843 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000825 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000861 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000853 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000826 |  | C B A | Closed | FVAL5524 | 2025-07-22 16:54 | 2025-07-24 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Approved Lender Exception: Min sq ft - 600 Subject - 560. Property is in an older area in which this is common - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was granted during underwriting and was in the file. - Buyer-07/23/2025 <br> Open-Missing xxx approved exception form for property of 506 sq. ft. with guides requiring min of 600 sq. ft. File contains xxx exception only. - Due Diligence Vendor-07/22/2025 |  | Waived-Approved Lender Exception: Min sq ft - 600 Subject - xxx. Property is in an older area in which this is common - Due Diligence Vendor-07/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | No lates in the past 24+ months.<br> Borrower has owned subiect since xxx and has had the same renter since xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 200000674 |  | D A | Closed | FCRE1468 | 2025-07-23 16:18 | 2025-07-25 17:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Missing Updated statement provided - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. bank statement xxx xxx - Buyer-07/24/2025 <br> Open-Asset 2 Missing Missing xxx bank account #xxx - Due Diligence Vendor-07/23/2025 |  | Resolved-Asset 2 Missing Updated statement provided - Due Diligence Vendor-07/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000674 |  | D A | Closed | FCRE2000 | 2025-07-24 16:50 | 2025-07-25 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Ready for Review-Document Uploaded. escrow instructions/purchase contract with "STREET" - Buyer-07/24/2025 <br>Open-Incomplete or unexecuted Purchase Contract. Purchase contract is missing Street in the address - Due Diligence Vendor-07/24/2025 |  |  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000671 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000849 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000805 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000770 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000860 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000854 |  | D A | Closed | FCRE7497 | 2025-07-25 13:52 | 2025-07-30 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOX provided no HOI on free & clear property - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please see attached which were in the file. - Buyer-07/30/2025 <br> Open-Missing hoi dec page for xxx - Due Diligence Vendor-07/25/2025 |  | Resolved-LOX provided no HOI on free & clear property - Due Diligence Vendor-07/30/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.52 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000703 |  | C A | Closed | finding-3712 | 2025-07-28 13:10 | 2025-07-29 09:51 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*\*Lender to confirm true disbursement date and provide supporting documentation, a PCCD t in support of the same and correct amount of prepaid interest collected. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000793 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000864 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000819 |  | D A | Closed | FCRE1180 | 2025-07-29 09:17 | 2025-07-29 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-07/29/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000693 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000695 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000688 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000691 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000684 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000687 |  | C A | Closed | FCRE1168 | 2025-07-29 13:39 | 2025-07-30 14:28 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than the Subject Lien or replacement cost value of $xxx - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx . Extended replacement cost percentage was not stated on the policy and appraiser also shows the estimated cost new to be higher than the policy coverage. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject Lien or replacement cost value of xxx - Due Diligence Vendor-07/30/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.54 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000846 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000847 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000685 |  | D A | Closed | FCRE1364 | 2025-07-31 08:45 | 2025-08-04 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. signed 4506 for both borrowers - Buyer-07/31/2025 <br> Open-Borrower 2 Executed 4506-T Missing Missing 4506 for B1 Full Doc-Wage income. GL-requires, a signed IRS 4506-C must be completed and signed by all borrowers on full doc transactions. The form must request the appropriate type of transcript based on the level of loan documentation (W-2s, full tax transcripts, etc.). - Due Diligence Vendor-07/31/2025 |  | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000685 |  | D A | Closed | FCRE1365 | 2025-07-31 08:45 | 2025-08-04 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. See W2's and guidelines. Transcripts not needed. - Buyer-08/01/2025 <br>Counter-Borrower 2 IRS Transcripts for Full Doc-Wage Income per Guidelines: Transcripts executed for 1 or 2 years, - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. transcripts not needed as per guidelines provide all full doc documentation for both borrowers - Buyer-07/31/2025 <br>Open-Borrower 2 IRS Transcripts Missing Missing B2 IRS Transcripts for Full Doc-Wage Income. GL requires-Transcripts executed for 1 or 2 years, depending on the level of income documentation. - Due Diligence Vendor-07/31/2025 |  | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000697 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000689 |  | B A | Closed | FCRE1198 | 2025-08-01 12:02 | 2025-08-01 12:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.34 are less than Guideline Required Reserves of 6 Cash out of $xxx reserves required 6 months $xxx shortage reserves $xxx. Exception in file xxx - Due Diligence Vendor-08/01/2025 |  | Waived-Audited Reserves of 5.34 are less than Guideline Required Reserves of 6 Cash out of xxx reserves required 6 months xxx shortage reserves xxx. Exception in file xxx - Due Diligence Vendor-08/01/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.08 Years Borrower At Current Residence For Five (5) Or More Years - 25.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 49.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 49.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 200000653 |  | D A | Closed | FCRE1198 | 2025-07-30 15:25 | 2025-08-04 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.69 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached Chase statements - Seller-08/03/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please see attached xxx statements - Seller-08/03/2025 | Resolved-Audited Reserves of 12.69 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000653 |  | D A | Closed | FCRE7000 | 2025-07-30 15:24 | 2025-08-04 12:32 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached xxx statements. - Buyer-08/03/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-07/30/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000653 |  | D A | Closed | FCRE1316 | 2025-07-30 15:24 | 2025-08-04 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/03/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000653 |  | D A | Closed | FCRE1325 | 2025-07-30 15:24 | 2025-08-04 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Rebut-CPA letter not required. The standard 50% expense factor was used to qualify the borrower. - Buyer-08/03/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000694 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000887 |  | D A | Closed | FCOM1544 | 2025-07-31 19:48 | 2025-08-13 10:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Signed Final HUD/SS provided - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Enclosed is the Final Settlement Statement signed by the borrower at closing. The settlement agent has also provided an unsigned corrected FSS, which is commonly used to reflect updated figures or correct minor errors without re-executing the document. In this case, the correction did not require borrower acknowledgment according to the settlement agent, as it did not short the borrower funds. - Buyer-08/12/2025 <br>Counter-Missing Signed/Stamped CTC Final HUD/SS - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-07/31/2025 |  | Resolved-Signed Final HUD/SS provided - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000852 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000862 |  | D A | Closed | FCRE1158 | 2025-08-01 16:58 | 2025-08-06 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Rebut-xxx is the servicer for all our loans. No issue with the policy you currently have. - Buyer-08/06/2025 <br> Counter-Mortgagee states xxx Its Successors and/or Assigns vs Lenders Name xxx. Subject Loan is a Purchase. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/03/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dec page does not reflect Lender as Loss Payee. - Due Diligence Vendor-08/01/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 582.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000844 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000863 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000831 |  | D A | Closed | FCRE1815 | 2025-08-01 06:41 | 2025-08-07 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business LLC Documents provided - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/06/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN document for xxx. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/06/2025<br>| Resolved-Business LLC Documents provided - Due Diligence Vendor-08/07/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000831 |  | D A | Closed | FCOM1544 | 2025-08-01 06:46 | 2025-08-05 12:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Final Closing Statement provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-08/05/2025 <br>Open-Final Closing Disclosure or settlement statement is missing. - Due Diligence Vendor-08/01/2025 |  | Resolved-Final Closing Statement provided. - Due Diligence Vendor-08/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000831 |  | D A | Closed | FCOM7213 | 2025-08-01 07:03 | 2025-08-05 12:03 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Mortgage Riders incomplete / inaccurate | Resolved-Signed Mortgage and Riders provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-08/05/2025 <br>Open-Business entity rider and 1-4 family rider documents are not signed. Provide signed documents. - Due Diligence Vendor-08/01/2025 |  | Resolved-Signed Mortgage and Riders provided. - Due Diligence Vendor-08/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000831 |  | D A | Closed | FCOM1223 | 2025-08-01 02:11 | 2025-08-05 12:02 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-08/05/2025 <br>Open-The Deed of Trust is Not Executed The Deed of Trust & associated Riders are not executed by borrower. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. see attached - Seller-08/05/2025<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000836 |  | C A | Closed | FCRE1195 | 2025-08-03 19:37 | 2025-08-11 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 71.43% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/07/2025 <br> Counter-Please provide updated xxx & xxx Matrix dated xxx - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Rebut - xxx loan. Max LTV for this loan amount is 75%. - Buyer-08/06/2025 <br> Open-Audited CLTV of 71.43% exceeds Guideline CLTV of 70% - Due Diligence Vendor-08/03/2025 |  | Resolved-Audited CLTV of 71.43% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-08/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000836 |  | C A | Closed | FCRE1198 | 2025-08-03 19:37 | 2025-08-11 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 11.77 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/07/2025 <br> Counter-Please provide updated xxx & xxx Matrix dated xxx - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Rebut-loan approved and locked under our xxx program. See attached. Required reserves is 9 months. - Buyer-08/06/2025 <br> Open-Audited Reserves of 11.77 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-08/03/2025 |  | Resolved-Audited Reserves of 11.77 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-08/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000875 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000690 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000701 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000654 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000871 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000835 |  | C A | Closed | FCRE1194 | 2025-08-04 10:54 | 2025-08-11 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. Approved and closed under xxx. - Buyer-08/07/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65%. - Due Diligence Vendor-08/04/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-08/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000835 |  | C A | Closed | FCRE1198 | 2025-08-04 10:54 | 2025-08-11 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.44 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Rebut-loan approved and closed under xxx guidelines. Only needed 9 months - Buyer-08/07/2025 <br> Open-Audited Reserves of 10.44 are less than Guideline Required Reserves of 12 Additional Assets is required for Cash to close and Reserves. - Due Diligence Vendor-08/04/2025 |  | Resolved-Audited Reserves of 10.44 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-08/11/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000696 |  | C A | Closed | finding-47 | 2025-08-05 03:12 | 2025-08-07 08:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - borrower At Current Residence For Five (5) Or More Years - 8.67 Years Borrower At Current Residence For Five (5) Or More Years - 8.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 62.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.33 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200000670 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000702 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000698 |  | D A | Closed | FCOM1512 | 2025-08-04 12:04 | 2025-08-06 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Final HUD/SS provided. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-08/05/2025 <br>Open-Missing borrower signature and date in the settlement statement . - Due Diligence Vendor-08/04/2025 |  | Resolved-Final HUD/SS provided. - Due Diligence Vendor-08/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 463.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Missing borrower signature and date in the settlement statement . | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000698 |  | D A | Closed | FCOM1223 | 2025-08-04 10:41 | 2025-08-06 08:10 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-08/05/2025 <br> Open-The Deed of Trust is Not Executed Provide the fully executed signature page for the Deed of Trust. Loan file is missing page xxx of xxx. - Due Diligence Vendor-08/04/2025 |  | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 463.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower sign page is missing with borrower signature in it. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000878 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000692 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000823 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000683 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 200000824 |  | D A | Closed | FCRE4104 | 2025-08-06 09:09 | 2025-08-08 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-xxx Bank statement Provided supporting the Large Deposit the withdrawal of $xxx - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Source of large deposit - Seller-08/08/2025 <br> Open-. Provide source of funds for deposit made into #xxx (used for asset depletion) on xxx for $xxx. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Source of large deposit - Seller-08/08/2025<br>| Resolved-xxx Bank statement Provided supporting the Large Deposit the withdrawal of xxx - Due Diligence Vendor-08/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000824 |  | D A | Closed | FCRE1437 | 2025-08-06 09:09 | 2025-08-08 13:20 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Final settlement statement attached - Seller-08/07/2025 <br> Open-Income and Employment Do Not Meet Guidelines . Provide final settlement statement to support $xxx (used for asset depletion) and to confirm xxx was sold and xxx was paid off in full. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Final settlement statement attached - Seller-08/07/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000824 |  | D A | Closed | FCRE5782 | 2025-08-06 08:48 | 2025-08-08 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide Gap credit report or soft-pull. Per guidelines, Section xxx, GL's state: "Seller should confirm there are no new borrower debt obligations. A gap credit report or soft-pull is required if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. The gap credit report or soft-pull is to be dated within 30 days of the Note date." Credit report shows 34 days and only a credit supplement for the borrower's mortgage was provided at the time of review. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000874 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000873 |  | C A | Closed | FCRE1159 | 2025-08-07 10:26 | 2025-08-12 13:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/11/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Primary Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-08/07/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.78 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Months Reserves Of 57.78 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 11.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000873 |  | C A | Closed | FCRE1167 | 2025-08-07 10:26 | 2025-08-12 13:07 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. The State of FL no longer issues RCEs and has replaced them with the attached. - Buyer-08/10/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx. - Due Diligence Vendor-08/07/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.78 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Months Reserves Of 57.78 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 11.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000858 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000699 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000872 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000869 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000700 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000877 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000868 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000879 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000880 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000876 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000881 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000884 |  | C A | Closed | FCRE8611 | 2025-08-14 18:35 | 2025-08-25 07:49 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/24/2025 <br> Counter-Document Uploaded. Please see attached. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Received a file error when trying to open the worksheet. Please reupload. Thanks - Buyer-08/18/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-08/15/2025 <br> Open-Calculated Rental Loss of - xxx does not appear to be included in lender calculations, causing DTI discrepancy of audit 30.36% vs lender 24.023%. See attached rental worksheet. Provide updated 1008 with correct figures. - Due Diligence Vendor-08/15/2025 |  | Resolved-Updated 1008 with Audited DTI provided. - Due Diligence Vendor-08/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.70 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.33 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 200000867 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200000882 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 200000865 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000866 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000886 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000885 |  | C A | Closed | FCOM1252 | 2025-08-19 19:32 | 2025-08-21 09:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. see attached locked LE - Buyer-08/21/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the LOCKED Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/19/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.04 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.05 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000870 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 200000855 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 200000888 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 200000883 |  | D A | Closed | FCRE1180 | 2025-08-20 18:15 | 2025-08-25 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. Note that the master insurance includes walls in coverage. - Buyer-08/24/2025 <br>Open-HO-6 Insurance Policy is Missing The HO-6 insurance policy is missing; however, the premium amount has been included under other property insurance for DTI calculation, as the lender consider the insurance premium to considered when calculated the DTI. - Due Diligence Vendor-08/20/2025 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 200000883 |  | D A | Closed | FCRE1440 | 2025-08-20 17:52 | 2025-08-25 07:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. Payment was actually $xxx. Updated page xxx of the 1003 and proof of rent payments for your review. Actual VOR form not required. - Buyer-08/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower is currently residing in a rented property at xxx, with a monthly rent of $xxx; however, the Verification of Rent (VOR) was not included in the loan package. - Due Diligence Vendor-08/20/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |

---

## Exhibit 99.7

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 200000007 |  |  | xxx A |
| 200000827 |  |  | xxx C D A |
| 200000008 |  |  | xxx A |
| 200000014 |  |  | xxx A C |
| 200000017 |  |  | xxx A |
| 200000005 |  |  | xxx C A |
| 200000011 |  |  | xxx A C |
| 200000016 |  |  | xxx A C |
| 200000020 |  |  | xxx A |
| 200000012 |  |  | xxx A |
| 200000023 |  |  | xxx A |
| 200000828 |  |  | xxx A |
| 200000013 |  |  | xxx A |
| 200000018 |  |  | xxx A |
| 200000002 |  |  | xxx C A |
| 200000024 |  |  | xxx A |
| 200000053 |  |  | xxx A |
| 200000015 |  |  | xxx A |
| 200000028 |  |  | xxx C A |
| 200000001 |  |  | xxx A D |
| 200000009 |  |  | xxx C A B |
| 200000025 |  |  | xxx C A |
| 200000033 |  |  | xxx A |
| 200000035 |  |  | xxx A |
| 200000019 |  |  | xxx A |
| 200000022 |  |  | xxx A |
| 200000037 |  |  | xxx A |
| 200000041 |  |  | xxx A |
| 200000046 |  |  | xxx C A |
| 200000056 |  |  | xxx A |
| 200000062 |  |  | xxx D A |
| 200000006 |  |  | xxx C A |
| 200000030 |  |  | xxx A C |
| 200000034 |  |  | xxx A C B |
| 200000040 |  |  | xxx C A |
| 200000043 |  |  | xxx A |
| 200000049 |  |  | xxx D A |
| 200000050 |  |  | xxx A |
| 200000058 |  |  | xxx C A |
| 200000073 |  |  | xxx A |
| 200000036 |  |  | xxx A |
| 200000048 |  |  | xxx A |
| 200000042 |  |  | xxx A |
| 200000045 |  |  | xxx A |
| 200000057 |  |  | xxx A |
| 200000077 |  |  | xxx A |
| 200000004 |  |  | xxx A |
| 200000029 |  |  | xxx A |
| 200000044 |  |  | xxx A |
| 200000065 |  |  | xxx A |
| 200000003 |  |  | xxx A |
| 200000010 |  |  | xxx A |
| 200000027 |  |  | xxx A |
| 200000032 |  |  | xxx A |
| 200000038 |  |  | xxx A |
| 200000047 |  |  | xxx A |
| 200000051 |  |  | xxx A |
| 200000055 |  |  | xxx A |
| 200000064 |  |  | xxx A |
| 200000067 |  |  | xxx A |
| 200000068 |  |  | xxx A |
| 200000070 |  |  | xxx A |
| 200000074 |  |  | xxx A |
| 200000039 |  |  | xxx A |
| 200000059 |  |  | xxx A |
| 200000066 |  |  | xxx A |
| 200000079 |  |  | xxx A |
| 200000747 |  |  | xxx D A |
| 200000021 |  |  | xxx A |
| 200000052 |  |  | xxx D A |
| 200000072 |  |  | xxx A |
| 200000080 |  |  | xxx A |
| 200000026 |  |  | xxx A |
| 200000063 |  |  | xxx A |
| 200000071 |  |  | xxx D A |
| 200000082 |  |  | xxx A |
| 200000031 |  |  | xxx A |
| 200000060 |  |  | xxx A |
| 200000075 |  |  | xxx A |
| 200000061 |  |  | xxx A |
| 200000076 |  |  | xxx A |
| 200000829 |  |  | xxx D A |
| 200000081 |  |  | xxx C A |
| 200000078 |  |  | xxx D A |
| 200000069 |  |  | xxx D A |
| 200000084 |  |  | xxx A |
| 200000830 |  |  | xxx D A |
| 200000085 |  |  | xxx A |
| 200000054 |  |  | xxx A |
| 200000753 |  |  | xxx A D |
| 200000083 |  |  | xxx A |
| 200000749 |  |  | xxx A |
| 200000765 |  |  | xxx D C A |
| 200000756 |  |  | xxx A |
| 200000832 |  |  | xxx A |
| 200000752 |  |  | xxx A |
| 200000764 |  |  | xxx D A |
| 200000761 |  |  | xxx A |
| 200000759 |  |  | xxx D A |
| 200000833 |  |  | xxx A |
| 200000772 |  |  | xxx A |
| 200000767 |  |  | xxx A |
| 200000766 |  |  | xxx A |
| 200000769 |  |  | xxx C A |
| 200000778 |  |  | xxx A |
| 200000768 |  |  | xxx A |
| 200000839 |  |  | xxx A |
| 200000781 |  |  | xxx D A C |
| 200000834 |  |  | xxx A |
| 200000757 |  |  | xxx A |
| 200000779 |  |  | xxx A |
| 200000848 |  |  | xxx C A |
| 200000760 |  |  | xxx D A |
| 200000771 |  |  | xxx A |
| 200000706 |  |  | xxx D A B |
| 200000754 |  |  | xxx D A |
| 200000845 |  |  | xxx D A |
| 200000842 |  |  | xxx A |
| 200000748 |  |  | xxx A |
| 200000838 |  |  | xxx A |
| 200000850 |  |  | xxx A |
| 200000851 |  |  | xxx A |
| 200000686 |  |  | xxx D A |
| 200000801 |  |  | xxx C A |
| 200000656 |  |  | xxx A |
| 200000762 |  |  | xxx A |
| 200000777 |  |  | xxx A |
| 200000680 |  |  | xxx A |
| 200000809 |  |  | xxx D A B |
| 200000799 |  |  | xxx A |
| 200000789 |  |  | xxx A |
| 200000840 |  |  | xxx A |
| 200000782 |  |  | xxx A |
| 200000705 |  |  | xxx A |
| 200000792 |  |  | xxx A |
| 200000856 |  |  | xxx A D |
| 200000857 |  |  | xxx D A |
| 200000837 |  |  | xxx A |
| 200000783 |  |  | xxx A |
| 200000785 |  |  | xxx D A |
| 200000804 |  |  | xxx A |
| 200000707 |  |  | xxx A |
| 200000859 |  |  | xxx D A |
| 200000841 |  |  | xxx A |
| 200000843 |  |  | xxx A |
| 200000825 |  |  | xxx A |
| 200000861 |  |  | xxx A |
| 200000853 |  |  | xxx A |
| 200000826 |  |  | xxx C A B |
| 200000674 |  |  | xxx D A |
| 200000671 |  |  | xxx A |
| 200000849 |  |  | xxx A |
| 200000805 |  |  | xxx A |
| 200000770 |  |  | xxx A |
| 200000860 |  |  | xxx A |
| 200000854 |  |  | xxx D A |
| 200000703 |  |  | xxx A C |
| 200000793 |  |  | xxx A |
| 200000864 |  |  | xxx A |
| 200000819 |  |  | xxx D A |
| 200000693 |  |  | xxx A |
| 200000695 |  |  | xxx A |
| 200000688 |  |  | xxx A |
| 200000807 |  |  | xxx A |
| 200000691 |  |  | xxx A |
| 200000679 |  |  | xxx A |
| 200000684 |  |  | xxx A |
| 200000687 |  |  | xxx C A |
| 200000846 |  |  | xxx A |
| 200000847 |  |  | xxx A |
| 200000685 |  |  | xxx D A |
| 200000697 |  |  | xxx A |
| 200000689 |  |  | xxx B A |
| 200000653 |  |  | xxx D A |
| 200000694 |  |  | xxx A |
| 200000887 |  |  | xxx A D |
| 200000852 |  |  | xxx A |
| 200000862 |  |  | xxx D A |
| 200000844 |  |  | xxx A |
| 200000863 |  |  | xxx A |
| 200000831 |  |  | xxx D A |
| 200000836 |  |  | xxx C A |
| 200000875 |  |  | xxx A |
| 200000690 |  |  | xxx A |
| 200000701 |  |  | xxx A |
| 200000654 |  |  | xxx A |
| 200000871 |  |  | xxx A |
| 200000835 |  |  | xxx C A |
| 200000696 |  |  | xxx A C |
| 200000670 |  |  | xxx A |
| 200000702 |  |  | xxx A |
| 200000698 |  |  | xxx A D |
| 200000878 |  |  | xxx A |
| 200000692 |  |  | xxx A |
| 200000823 |  |  | xxx A |
| 200000683 |  |  | xxx A |
| 200000824 |  |  | xxx D A |
| 200000874 |  |  | xxx A |
| 200000873 |  |  | xxx C A |
| 200000858 |  |  | xxx A |
| 200000699 |  |  | xxx A |
| 200000872 |  |  | xxx A |
| 200000869 |  |  | xxx A |
| 200000700 |  |  | xxx A |
| 200000877 |  |  | xxx A |
| 200000868 |  |  | xxx A |
| 200000879 |  |  | xxx A |
| 200000880 |  |  | xxx A |
| 200000876 |  |  | xxx A |
| 200000881 |  |  | xxx A |
| 200000884 |  |  | xxx C A |
| 200000867 |  |  | xxx A |
| 200000882 |  |  | xxx A |
| 200000865 |  |  | xxx A |
| 200000866 |  |  | xxx A |
| 200000886 |  |  | xxx A |
| 200000885 |  |  | xxx A C |
| 200000870 |  |  | xxx A |
| 200000855 |  |  | xxx A |
| 200000888 |  |  | xxx A |
| 200000883 |  |  | xxx D A |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 200000007 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 45.05 | 45.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0135 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 3.4 | xxx |
| 200000827 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 55 | 55 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000008 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 59.53 | 59.53 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 200000014 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 39.63 | 39.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000017 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 37.84 | 37.84 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 200000005 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 30 | 30 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 2.5 | xxx |
| 200000011 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 33.61 | 33.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.5 | xxx |
| 200000016 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.9 | 73.9 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | xxx |
| 200000020 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60 | 60 | xxx | xxx | .0062 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0062 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1 | xxx |
| 200000012 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 45.87 | 45.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 200000023 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 74.93 | 74.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 200000828 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000013 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 11.45 | 11.45 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000018 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 48.19 | 48.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000002 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 200000024 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000053 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000015 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 200000028 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx |
| 200000001 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000009 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx |
| 200000025 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.6 | xxx |
| 200000033 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000035 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60 | 60 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 200000019 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 56.95 | 56.95 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 200000022 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.6 | xxx |
| 200000037 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 3.2 | xxx |
| 200000041 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.6 | xxx |
| 200000046 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 200000056 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000062 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 3.5 | xxx |
| 200000006 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 37.44 | 37.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 200000030 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.4 | xxx |
| 200000034 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.66 | 69.66 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000040 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 200000043 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 64.85 | 64.85 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 4.3 | xxx |
| 200000049 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000050 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 67.57 | 67.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1 | xxx |
| 200000058 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000073 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 71.11 | 71.11 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000036 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 46.73 | 46.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.4 | xxx |
| 200000048 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000042 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000045 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.6 | xxx |
| 200000057 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 53.13 | 53.13 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx |
| 200000077 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.5 |  |
| 200000004 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000029 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000044 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 69.98 | 69.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 200000065 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 53.97 | 53.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 200000003 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | xxx | .1034 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .1034 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 200000010 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 200000027 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000032 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 66.67 | 66.67 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 3.1 | xxx |
| 200000038 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000047 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 50 | 50 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 2.1 | xxx |
| 200000051 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000055 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 200000064 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000067 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 69.44 | 69.44 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.1 | xxx |
| 200000068 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | xxx |
| 200000070 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |  | 1 | xxx |
| 200000074 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000039 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 79.94 | 79.94 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000059 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 40.83 | 40.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.4 | xxx |
| 200000066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 78.97 | 78.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.1 | xxx |
| 200000079 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000747 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000021 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 63.71 | 63.71 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 200000052 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 200000072 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 63.16 | 63.16 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | 1 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 200000080 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 200000026 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000063 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.3 | xxx |
| 200000071 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000082 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 200000031 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 200000060 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000075 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 61.7 | 61.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 200000061 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | xxx |
| 200000076 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1.2 | xxx |
| 200000829 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 78.3 | 78.3 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000081 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 57 | 57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 200000078 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0368 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 200000069 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate RisK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | xxx |
| 200000084 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 59.3 | 59.3 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 200000830 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 66.54 | 66.54 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000085 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 200000054 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 47.38 | 47.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.4 | xxx |
| 200000753 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | xxx |
| 200000083 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.6 | xxx |
| 200000749 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 64.44 | 64.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000765 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 200000756 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 37.04 | 37.04 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000832 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.72 | 73.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000752 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000764 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000761 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.7 | 73.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 200000759 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 50 | 50 | xxx |  |  |  |  |  |  |  | xxx | xxx | .1391 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 200000833 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000772 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 79.19 | 79.19 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000767 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 77.87 | 77.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .0000 | xxx | Other |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |
| 200000766 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 79.08 | 79.08 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000769 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 77.04 | 77.04 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000778 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 200000768 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 78.7 | 78.7 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx |
| 200000839 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000781 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 200000834 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000757 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.61 | 69.61 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0206 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000779 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 200000848 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000760 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 200000771 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000706 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 200000754 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 51.72 | 51.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 200000845 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | xxx | -.0286 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0286 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000842 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000748 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 48.39 | 48.39 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 200000838 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000850 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000851 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000686 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | xxx | -.0241 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0241 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000801 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000656 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.9 | xxx |
| 200000762 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 200000777 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 51.06 | 51.06 | xxx | xxx | -.0079 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0079 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000680 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000809 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | xxx | .0393 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0393 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000799 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000789 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | xxx |
| 200000840 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000782 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 200000705 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 200000792 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000856 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 46.94 | 46.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000857 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 47.92 | 47.92 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000837 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000783 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000785 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | xxx |
| 200000804 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 54.95 | 54.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000707 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 64.81 | 64.81 | xxx | xxx | -.0985 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0985 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000859 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000841 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 45 | 45 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000843 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000825 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.24 | 60.24 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000861 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000853 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000826 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000674 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000671 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 67.13 | 67.13 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 200000849 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000805 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 200000770 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 64.26 | 64.26 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000860 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000854 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000703 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 200000793 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | xxx | -.0097 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0097 | 95 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000864 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000819 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000693 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000695 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 200000688 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 200000807 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 200000691 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 200000679 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 89.94 | 89.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000684 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | xxx | -.0625 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0625 | 94 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000687 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 62.43 | 62.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000846 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000847 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000685 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85 | 85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 200000697 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 200000689 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | xxx | .0455 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0455 | 96 | 0.04 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000653 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 50 | 50 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000694 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 200000887 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 82.42 | 82.42 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000852 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000862 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 79.81 | 79.81 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000844 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 77.88 | 77.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000863 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000831 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 67.49 | 67.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000836 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 71.43 | 71.43 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0238 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000875 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000690 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 66.48 | 66.48 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | xxx |
| 200000701 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000654 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 53.33 | 53.33 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000871 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000835 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx |  |  |  |  |  |  |  | xxx | xxx | .1000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000696 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000670 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 28.08 | 28.08 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000702 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 50 | 50 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000698 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 52 | 52 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000878 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000692 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000823 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | xxx |
| 200000683 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 65 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 200000824 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.9 | xxx |
| 200000874 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000873 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0914 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000858 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000699 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000872 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000869 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000700 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0764 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000877 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000868 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000879 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000880 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 69.84 | 69.84 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000876 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 64.71 | 64.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000881 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000884 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000867 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 44.44 | 44.44 | xxx |  |  |  |  |  |  |  | xxx | xxx | .0363 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000882 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.79 | 73.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000865 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000866 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000886 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 71.46 | 71.46 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000885 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 89.9 | 89.9 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000870 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000855 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000888 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200000883 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 85 | 85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 200000007 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 200000827 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000008 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000014 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000017 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000005 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000011 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000016 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000020 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000012 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000023 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000828 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000013 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000018 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | No | No | xxx | N/A | Employed |  | No |  | No |  |
| 200000002 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000024 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000053 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000015 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000028 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000001 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000009 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000033 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000035 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000019 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000037 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000041 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000046 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000056 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000062 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000006 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000030 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000034 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000040 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000043 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000049 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000050 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000058 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000073 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000036 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000048 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000042 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000045 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000057 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000077 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000004 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000029 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000044 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000065 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000003 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000010 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000027 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000032 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000047 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 200000051 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000055 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000064 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000067 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000068 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000070 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 200000074 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000039 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000059 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000066 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000079 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000747 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 200000021 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | Yes | Present |
| 200000052 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000072 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 200000080 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000026 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000063 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 200000071 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000082 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000031 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000060 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000075 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000061 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000076 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000829 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000081 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 200000078 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000069 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000084 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000830 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000085 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000054 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000753 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000083 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000749 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000765 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000756 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000832 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000752 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000764 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000761 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000759 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000833 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000772 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000767 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000766 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000769 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000778 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000768 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000839 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000781 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000834 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 200000757 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000779 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown | Employed | No | No | No |  |
| 200000848 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000760 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000771 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000706 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000754 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Not Employed | No | No | No |  |
| 200000845 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000842 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000748 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000838 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000850 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000851 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000686 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000801 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000656 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 200000762 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000777 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 200000680 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 200000809 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000799 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000789 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000840 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000782 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | No | Not Employed |  | No |  | No |  |
| 200000705 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000792 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 200000856 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000857 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000837 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000783 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000785 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000804 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 200000707 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000859 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000841 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000843 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 200000825 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000861 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000853 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000826 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000674 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed | Employed | No | No | No |  |
| 200000671 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 200000849 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000805 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000770 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000860 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000854 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 200000703 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 200000793 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 200000864 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000819 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000693 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000695 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000688 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000807 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000691 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000679 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown |  | No |  | No |  |
| 200000684 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 200000687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000846 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 200000847 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000685 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Unknown | Employed | No | No | Yes | Present |
| 200000697 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 200000689 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000653 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 200000694 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000887 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000852 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | No | N/A | No | Yes | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000862 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000844 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000863 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000831 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000836 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000875 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000690 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000701 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 200000654 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000871 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000835 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000696 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000670 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000702 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 200000698 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000878 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000692 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 200000823 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000683 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 200000824 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Retired |  | No |  | No |  |
| 200000874 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000873 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000858 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000699 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000872 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 200000869 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000700 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 200000877 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 200000868 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000879 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000880 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000876 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 200000881 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000884 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200000867 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000882 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000865 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000866 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000886 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 200000885 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 200000870 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000855 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200000888 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 200000883 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.7

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 200000041 |  |  | xxx | Application Date | xxx | xxx |  |
| 200000069 |  |  | xxx | Application Date | xxx | xxx |  |
| 200000671 |  |  | xxx | Application Date | xxx | xxx |  |
| 200000671 |  |  | xxx | Borrower 1 Other Income | xxx | xxx |  |
| 200000043 |  |  | xxx | Borrower 1 Self-Employment Flag | No | Yes |  |
| 200000071 |  |  | xxx | Borrower 1 Self-Employment Flag | Yes | No |  |
| 200000841 |  |  | xxx | Business Purpose Flag | No | Yes |  |
| 200000670 |  |  | xxx | Business Purpose Flag | Yes | No |  |
| 200000045 |  |  | xxx | Note Date | xxx | xxx |  |
| 200000792 |  |  | xxx | Note Date | xxx | xxx |  |
| 200000069 |  |  | xxx | Number of Units | 2 | 1 |  |
| 200000015 |  |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 200000801 |  |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 200000804 |  |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 200000686 |  |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 200000747 |  |  | xxx | Property County | xxx | xxx |  |
| 200000840 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000856 |  |  | xxx | Property Type | Townhouse | Single Family Detached |  |
| 200000654 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000881 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000865 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000866 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000888 |  |  | xxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 200000856 |  |  | xxx | Qualifying FICO | xxx | xxx |  |
| 200000857 |  |  | xxx | Qualifying FICO | xxx | xxx |  |
| 200000868 |  |  | xxx | Qualifying FICO | xxx | xxx |  |
| 200000748 |  |  | xxx | Qualifying LTV | 48.39 | 0.48 |  |
| 200000777 |  |  | xxx | Qualifying LTV | 51.47 | 51.06 |  |
| 200000770 |  |  | xxx | Qualifying LTV | 64.26 | 0.64 |  |
| 200000884 |  |  | xxx | Qualifying Total Debt Income Ratio | 30.36 | 23.96 |  |
| 200000679 |  |  | xxx | Qualifying Total Debt Income Ratio | 37.96 | 35.12 |  |
| 200000836 |  |  | xxx | Qualifying Total Debt Income Ratio | 15.99 | 18.58 |  |
| 200000071 |  |  | xxx | Qualifying Total Debt Income Ratio | 43.18 | 45.83 |  |
| 200000834 |  |  | xxx | Qualifying Total Debt Income Ratio | 29.57 | 32.63 |  |
| 200000761 |  |  | xxx | Qualifying Total Reserves Number of Months | 46.09 | 6.00 |  |
| 200000748 |  |  | xxx | Qualifying Total Reserves Number of Months | 98.54 | 6.00 |  |
| 200000770 |  |  | xxx | Qualifying Total Reserves Number of Months | 81.36 | 12.00 |  |
| 200000819 |  |  | xxx | Verified Doc Type | 2YR Business P&L | 1YR Business P&L |  |

---

## Exhibit 99.8

**Exhibit 99.8**

![](incenter_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2025-NQM9**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 31 loans acquired by Loan Funding Structure III LLC (the "Client"). The review was performed from March 2025 through August 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 31 loans for an aggregate original principal balance of $26,613,220.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |

---

Page **1** of **18**

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| |
|:---|
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **18**

![](incenter_logo.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such
as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify the borrower according to guidelines.
Recalculate the borrower's income and debt to determine the appropriate debt to income ratio in accordance with the guidelines.
Validate borrower's employment history and confirm that the appropriate income and assets were used to qualify. Make a reasonable
assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation
in the file and the information used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such
as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application
to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application or
other loan applications found in the file to validate the application was signed and properly completed and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s) and verification of mortgage or rental history,
when required, have been provided for all borrowers/guarantors, are consistent with loan approval, and meet guideline requirements. Verify
whether any fraud alerts are listed on the credit reports and make a reasonable assessment of whether the borrower's profile adheres
to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from
source documentation provided in the loan file, for the purposes of identifying misrepresentations contained in the loan file, including
with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for consistency with regard to subject property
occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may
have existed upon origination; verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage
as required by guidelines; confirm property insurance policy contains appropriate mortgagee clause. For subject properties located in
a Special Flood Hazard Area where flood insurance is required, verify and validate the file contains sufficient flood insurance coverage
as required by guidelines and that flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose Affidavit and Occupancy Affidavit, if applicable,
were executed by the borrowers/guarantors and confirm that document addresses are consistent with subject property address and do not
match the primary residence address.

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**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose Affidavit – verify signed Borrower Statement of Business
Purpose is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner Occupancy – verify Occupancy certification is present in
the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate that there is no information in the loan that contradicts occupancy
type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit reports used to qualify borrower, as well as consumer credit
history/charge offs/collections, and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required, verify that a 3rd party fraud report (DataVerify, etc.) is
contained in the loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's mortgage/rental payment history using credit reports
or other information supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that any bankruptcy, foreclosure or forbearance activity is in accordance
with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a review of all asset information supplied in the loan file against
guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers' asset utilization and verify sufficient liquid
assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a rental income analysis using the information supplied in the loan
file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed
by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property data within the appraisal report matches
the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report to ensure report value is "as is"
or, if report is "subject to", that there is an associated completion report resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a variance
greater than 10% below the appraisal value, Client will be notified and an additional independent valuation product will be obtained as
requested.

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**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is greater than the amount required to be disclosed

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance Charge and Total of Payments Tests (12 CFR
§1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage rate (APR) is considered accurate because
it is not more than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions) point above or
below the APR as determined in accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from the disclosed finance charge, and the disclosed
finance charge is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed
finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission
finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the right to rescind until midnight of the third
business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission Notice was provided, and the correct form was
used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in
a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other
person other than the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure (GFE/TIL/LE) does not contain any broker
fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing of Single Premium Credit Insurance Test (12 CFR §1026.36
(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance, directly or indirectly, any premiums or fees
for credit insurance in connection with a consumer credit transaction secured by a dwelling (including a home equity line of credit secured
by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction subject to the Real Estate Settlement
Procedures Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure date is not later than the third business day
(counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after
the creditor receives the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure date is not later than the seventh business day
(counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction, or the application
date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential mortgage transaction" subject to the
Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure date is before consummation or three business
days after the creditor receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required
under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's
application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery Date Test (prior to consummation) (12 CFR
§1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required
under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the
transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee
liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate was provided to borrower prior to the Closing
Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted to shop for a settlement service, the creditor
shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer
may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service
for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from
the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan Estimate Delivery Date Test (prior to consummation) (12 CFR
§1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide a revised version of the disclosures required
under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days
prior to consummation. If the revised version of the disclosures required under §1026.19(e)(1)(i) is not provided to the consumer
in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version
in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s) form was provided and the reason for re-disclosure
is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on a construction loan for new construction transactions
only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was not provided and interest rate dependent charges
change once the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure is "Decrease in charges affecting settlement
or eligibility, a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that the consumer receives the disclosures required
under paragraph §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee
liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure Delivery Date Test (waiting period vs. no waiting
period required) (12 CFR §1026.19(f)(2)(i) & (ii))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided under §1026.19(f)(1)(i) become inaccurate
before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer
receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines that the extension of credit is needed to meet
a bona fide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing
disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good
faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges That in Total Cannot Increase More Than
10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges for third-party services and recording fees
paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more
than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR
§1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good
faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer
exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds
the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer
exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds
the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate
(§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments
(ETIA) are accurate (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in Section G – Initial Escrow Payment
and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed in the Escrow Account Section are accurate
(§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate
(§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments
(ETIA) are accurate (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in the Escrow Account Section are accurate
(§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a seller, validate whether the lender disclosed
all costs being paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present on the borrower's Closing Disclosure,
review the seller's Closing Disclosure or alternative documentation for accuracy of disclosure

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised closing disclosure delivery date is not more
than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement date is not more than 60 calendar days after
the consummation date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error and Post-consummation Revised Closing Disclosure
Delivery Date Test (12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided
under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures
no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage loan is a Safe Harbor QM or Higher Priced
QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus
a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular
periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment
in the case of an adjustable-rate or step-rate mortgage, that does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular
periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment
in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular
periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment
in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction for which the loan term does
not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's total monthly debt to total monthly income at
the time of consummation does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory
on July 1, 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans sold to Fannie and Freddie
must comply with the revised QM rules, effective July 1, 2021.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. (iv) For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans
underwritten from March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however, commencing July 1, 2021, legacy
QM loans must be underwritten to Appendix Q and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client is required to advise regarding which application of QM/DTI or QM/APR
rule for loans with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans underwritten after 10/1/2022 will be reviewed following the revised
QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR is not to exceed the APOR plus percentage threshold, calculated
according to 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application dates between 03/01/2021 and
10/01/2022 and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $110,260
(indexed for inflation), 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount greater than or equal to $66,156
(indexed for inflation), but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a first lien loan with a loan amount less than $66,156 (indexed for
inflation), 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount great than or equal to $66,156
(indexed for inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a subordinate-lien loan with a loan amount less than $66,156 (indexed
for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In addition to the Generally Applicable Factors above, all Revised QM loans
must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly Payment. The amount of the monthly payment on the loan is calculated
using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage
obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider and Verify. The creditor considers and verifies the consumer's
current or expected income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As part of the "consider" requirement, Incenter Diligence will
review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes
into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider and Verify Safe Harbor (VSH). Creditor is deemed to have complied
with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide,
published June 3, 2020 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide,
published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single-Family Housing Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook,
revised February 22, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook
for the Direct Single Family Housing Program, revised March 15, 2019 including all subsequent updates; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For purposes of compliance with VSH, a creditor must comply with only those
provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified
documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child
support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised versions of manuals. A creditor also complies with the verification
safe harbor where it complies with revised versions of the manuals listed above provided that the two versions are "substantially
similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The QM 2.0 Rule permits the creditor to "mix and match" verification
standards from different agency manuals. Incenter Diligence will test the creditor's "verification" of third- party
records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or
more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note: the Client must provide written policies and procedures and related
documentation such as underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules, and in particular,
with regard to the "consider" and "verify" requirements. Further, if the Client intends to use the VSH, its written
policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions
addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support—as well as the specific date(s) of the
agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence is not responsible for determining whether revised
versions of the manuals listed above are "substantially similar" for purposes of the VSH; such a determination of the sole
responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note: due to the inherent subjectivity of the foregoing "consider"
and "verify" requirements, Incenter Diligence will review the Client's: (i) policies and procedures and worksheets and
(ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for
content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply
with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider
would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty (12 CFR 1026.43(g))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not secured by the consumer's principal dwelling;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of the loan occurs before/after the effective
date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor received application occurs on or after January
10, 2014, the effective date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A),
(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien transaction, and the annual percentage
rate (APR) does not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien transaction, and the annual percentage rate
(APR), does not exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A),
(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees do not exceed allowable limits per the given loan
amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end credit agreement does not allow the creditor
to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than 36 months after consummation or account opening;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can exceed, in total, more than 2 percent of the
amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in
a consumer credit transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive compensation, directly or indirectly, from
any person other than the consumer in connection with the transaction; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has reason to know of the consumer-paid compensation
to the loan originator (other than the consumer) shall pay any compensation to a loan originator, directly or indirectly, in connection
with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business days after a lender, mortgage broker, or dealer
receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear
and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's
location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling organizations distributed to each loan
applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days after a loan originator (broker or lender)
receives an application for a federally related mortgage loan, or information sufficient to complete an application, the loan originator
must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered for both a loan discount fee and a yield spread
premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit affecting the interest rate is allowed under
the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans for the Disclosure of Right to Receive a Copy
of Appraisals. Validate if the customer(s) waived their right to receive copies of their appraisals three business days prior to consummation/account
opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans for proof that lender delivered copies of appraisals
and other written valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their right to receive copies of their appraisals
three business days prior to consummation/account opening, review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal
Report, or other proof that the lender provided the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home Equity Loans

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;93.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**100.00%** |

---

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance,

and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** | &nbsp;&nbsp; **Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;3 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** | &nbsp;&nbsp;**Compliance Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property Grade A** | &nbsp;&nbsp; **Property** <br> **Grade B** | &nbsp;&nbsp;**Property Grade C** | &nbsp;&nbsp;**Property Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;87.10% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **17** of **18**

![](incenter_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;6 | &nbsp;&nbsp;80.65% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.87% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;15 | &nbsp;&nbsp;51.61% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;93.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**97.12%** |

---

Page **18** of **18**

## Exhibit 99.8

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) |  | Report Date: | 9/17/2025 |  |  |  |  |  |
| Client Name: Loan Funding Structure III LLC | Client Name: Loan Funding Structure III LLC |  | Report: | Review Summary |  |  |  |  |  |
| Deal Name: BRAVO 2025-NQM9 UPDATED | Deal Name: BRAVO 2025-NQM9 UPDATED |  | Loans in report: | 31 |  |  |  |  |  |
|  |  |  |  |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Overall** | **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| A | A | 29 | 90.63% |  |  |  | **Data Compare Field Name** | **# of Discrepancies** | **% Accuracy** |
| B | B | 3 | 9.38% |  |  |  | ARM Interest Data | 0 | 100.00% |
| C | C | 0 | 0.00% |  |  |  | Amortization Term | 0 | 100.00% |
| **Total** | **Total** | **32** | **100.00%** |  |  |  | Borrower 1 First Name | 0 | 100.00% |
|  |  |  |  |  |  |  | Borrower 1 Last Name | 0 | 100.00% |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |  |  |  | Borrower 2 First Name | 0 | 100.00% |
| **Credit** | **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Borrower 2 Last Name | 0 | 100.00% |
| A | A | 31 | 96.88% |  |  |  | Borrower 1 FTHB | 0 | 100.00% |
| B | B | 1 | 3.13% |  |  |  | Borrower 2 FTHB | 0 | 100.00% |
| C | C | 0 | 0.00% |  |  |  | Doc Type | 1 | 96.88% |
| **Total** | **Total** | **32** | **100.00%** |  |  |  | First Payment Date | 0 | 100.00% |
|  |  |  |  |  |  |  | Interest Only Flag | 0 | 100.00% |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |  |  |  | Lien Position | 0 | 100.00% |
| **Compliance** | **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Loan Program | 4 | 87.50% |
| A | A | 32 | 100.00% |  |  |  | Loan Purpose | 0 | 100.00% |
| B | B | 0 | 0.00% |  |  |  | Loan Type | 0 | 100.00% |
| C | C | 0 | 0.00% |  |  |  | Maturity Date | 0 | 100.00% |
| **Total** | **Total** | **32** | **100.00%** |  |  |  | Note Date | 0 | 100.00% |
|  |  |  |  |  |  |  | Number of Units | 0 | 100.00% |
| **Property Grade Summary** | **Property Grade Summary** |  |  |  |  |  | Occupancy | 0 | 100.00% |
| **Property** | **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Original Interest Rate | 0 | 100.00% |
| A | A | 30 | 93.75% |  |  |  | Original Loan Amount | 0 | 100.00% |
| B | B | 2 | 6.25% |  |  |  | Original Loan Term | 0 | 100.00% |
| C | C | 0 | 0.00% |  |  |  | Original P&I | 0 | 100.00% |
| **Total** | **Total** | **32** | **100.00%** |  |  |  | Originator DSCR | 0 | 100.00% |
|  |  |  |  |  |  |  | Prepayment Penalty | 7 | 78.13% |
|  |  |  |  |  |  |  | Property Address | 0 | 100.00% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property City | 1 | 96.88% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property State | 0 | 100.00% |
| \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | Property Zip Code | 0 | 100.00% |
| **Credit Exception Categories** | **Credit Exception Categories** | **Exception Count** | **Credit Grade A** | **Credit Grade B** | **Credit Grade C** | **Credit Grade D \*** | Property Type | 5 | 84.38% |
| Assets | Assets | 2 | 2 | 0 | 0 | 0 | QM Designation | 15 | 53.13% |
| Borrower | Borrower | 2 | 2 | 0 | 0 | 0 | Qualifying Appraised Value | 0 | 100.00% |
| Closing | Closing | 0 | 0 | 0 | 0 | 0 | Qualifying CLTV | 0 | 100.00% |
| Data | Data | 1 | 1 | 0 | 0 | 0 | Qualifying FICO | 0 | 100.00% |
| Debt | Debt | 0 | 0 | 0 | 0 | 0 | Qualifying LTV | 0 | 100.00% |
| Eligibility | Eligibility | 3 | 2 | 1 | 0 | 0 | Qualifying Total DTI | 1 | 96.88% |
| Income/Employment | Income/Employment | 3 | 3 | 0 | 0 | 0 | Refinance Type | 0 | 100.00% |
| Insurance | Insurance | 2 | 2 | 0 | 0 | 0 | Sales Price | 0 | 100.00% |
| Missing Doc | Missing Doc | 17 | 17 | 0 | 0 | 0 | Subordinate Lien Amount | 0 | 100.00% |
| QM-ATR | QM-ATR | 0 | 0 | 0 | 0 | 0 | Underwriting Guideline Name | 2 | 93.75% |
| Title | Title | 5 | 5 | 0 | 0 | 0 | **Total** | **36** | **97.13%** |
| **Total** | **Total** | **35** | **34** | **1** | **0** | **0** |  |  |  |
| **Compliance Exception Categories** | **Compliance Exception Categories** | **Exception Count** | **Compliance Grade A** | **Compliance Grade B** | **Compliance Grade C** | **Compliance Grade D \*** |  |  |  |
| Ability to Repay | Ability to Repay | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Closing | Closing | 1 | 1 | 0 | 0 | 0 |  |  |  |
| Compliance | Compliance | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Data | Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Disclosure | Disclosure | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Documentation | Documentation | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Fees | Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | Missing Doc | 11 | 11 | 0 | 0 | 0 |  |  |  |
| Points & Fees | Points & Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| QM-ATR | QM-ATR | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Right to Rescind | Right to Rescind | 0 | 0 | 0 | 0 | 0 |  |  |  |
| State Reg | State Reg | 0 | 0 | 0 | 0 | 0 |  |  |  |
| TRID | TRID | 1 | 1 | 0 | 0 | 0 |  |  |  |
| **Total** | **Total** | **13** | **13** | **0** | **0** | **0** |  |  |  |
| **Property Exception Categories** | **Property Exception Categories** | **Exception Count** | **Property Grade A** | **Property Grade B** | **Property Grade C** | **Property Grade D \*** |  |  |  |
| Appraisal | Appraisal | 2 | 2 | 0 | 0 | 0 |  |  |  |
| Data | Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | Missing Doc | 1 | 1 | 0 | 0 | 0 |  |  |  |
| Property Issue | Property Issue | 2 | 0 | 2 | 0 | 0 |  |  |  |
| Value | Value | 0 | 0 | 0 | 0 | 0 |  |  |  |
| **Total** | **Total** | **5** | **3** | **2** | **0** | **0** |  |  |  |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 200000745 | XXX | XXX | D | B | A | A | D | A | D | B | Closed | FVAL5524 | 2025-03-10 17:47 | 2025-04-08 15:49 | Waived | 2 - Non-Material | C | B | Property | Property | Ineligible Property | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Counter-Received investor approval, however missing signed internal exception waiver form to include Comp Factors. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Open-Property is zoned Agricultural-Residential 15 acres with Rural characteristic and ineligible per guidelines. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/08/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% | 1) XXX months of Reserves are greater than 6 month minimum<br> 2) XXX% LTV is less than 75% maximum | Investor Confirmation on Property Eligibility.pdf<br>Exception (Internal UW Exception Cert).docx | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 200000745 | XXX | XXX | D | B | A | A | D | A | D | B | Closed | FVAL8506 | 2025-03-11 01:26 | 2025-04-08 15:43 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Private Road Maintenance Agreement | Resolved-Received revised appraisal reflecting road is Public. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Appraisal reflects property access by private road. Missing cop of road maintenance agreement. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Received revised appraisal reflecting road is Public. - Due Diligence Vendor-04/08/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000745 | XXX | XXX | D | B | A | A | D | A | D | B | Closed | FVAL9739 | 2025-03-06 16:23 | 2025-03-11 18:31 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/11/2025 <br> Counter-Received documentation for different condition. Still missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | #2.pdf<br> XXX_.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000745 | XXX | XXX | D | B | A | A | D | A | D | B | Closed | FCOM8805 | 2025-03-10 16:17 | 2025-03-11 14:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received snippet of borrower authorization in separate condition. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-we don't have to have a signed form for credit authorization, we are allowed to take that verbally, so we wont always have one signed prior. - Seller-03/11/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX- Due Diligence Vendor-03/10/2025 | Ready for Review-we don't have to have a signed form for credit authorization, we are allowed to take that verbally, so we wont always have one signed prior. - Seller-03/11/2025<br>| Resolved-Received snippet of borrower authorization in separate condition. - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000795 | XXX | XXX | C | A | B | A | C | A | A | A | Closed | FCRE1204 | 2025-07-18 10:07 | 2025-09-04 15:57 | Resolved | 1 - Information | B | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-High risk items addressed by underwriter certification instead of commentary in the fraud assessment report. SAM.gov and OFAC cleared. - Due Diligence Vendor-09/04/2025 <br>Waived-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-07/18/2025 |  | Resolved-High risk items addressed by underwriter certification instead of commentary in the fraud assessment report. SAM.gov and OFAC cleared. - Due Diligence Vendor-09/04/2025 <br>Waived-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 2 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000795 | XXX | XXX | C | A | B | A | C | A | A | A | Closed | FCOM5814 | 2025-07-18 11:01 | 2025-07-22 08:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received Closing Disclosure Issued XXX with correct Cash to Close. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. POST CD reflecting the correct cash to close amount. - Seller-07/22/2025 <br> Open-Loan file is missing a post close closing disclosure to correct cash to close amount on Final CD, correction provided is handwritten. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. POST CD reflecting the correct cash to close amount. - Seller-07/22/2025<br>| Resolved-Received Closing Disclosure Issued XXX with correct Cash to Close. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 2 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | POST CD.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000800 | XXX | XXX | D | A | D | A | D | A | C | A | Closed | FVAL9739 | 2025-07-17 10:23 | 2025-07-22 09:43 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting evidence of AIR Compliance. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-"Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser." - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received supporting evidence of AIR Compliance. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Appraisal Order.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000800 | XXX | XXX | D | A | D | A | D | A | C | A | Closed | FCRE1347 | 2025-07-17 09:34 | 2025-07-22 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received verification of employment prior to closing. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing verification of business within 30 days with a letter from business tax professional and phone listing and or directory assistance or internet search - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received verification of employment prior to closing. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | VOE - XXX.PDF<br> VOE - XXX.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000800 | XXX | XXX | D | A | D | A | D | A | C | A | Closed | FCRE1316 | 2025-07-17 09:34 | 2025-07-22 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received verification of employment prior to closing. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of business within 30 days with a letter from business tax professional and phone listing and or directory assistance or internet search - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received verification of employment prior to closing. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | VOE - XXX.PDF<br> VOE - XXX.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000800 | XXX | XXX | D | A | D | A | D | A | C | A | Closed | FCOM1221 | 2025-07-17 15:02 | 2025-07-22 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Exhibit "A" Legal Description. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open-The Deed of Trust is Incomplete Missing legal description exhibit A attachment. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received Exhibit "A" Legal Description. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | legal description.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000725 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-08-05 13:53 | 2025-08-11 16:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. there's Apt 1 E, 1 W, 2 E & 2 W, according to the appraisal, Apt 4 is 2W, see attached - Seller-08/08/2025 <br> Open-Missing copy of lease agreement for unit 4 of subject property as required by DSCR guideline. Unit 1 lease, and two copies of lease extension were provided for unit 3 (Tenant XXX). - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. there's Apt 1 E, 1 W, 2 E & 2 W, according to the appraisal, Apt 4 is 2W, see attached - Seller-08/08/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | Lease Agreement - XXX (XXX XXX).pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000806 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1148 | 2025-07-23 16:11 | 2025-08-04 14:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting loan amount coverage. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received final title policy reflecting loan amount coverage. - Due Diligence Vendor-08/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | doc12302520250708094720.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000641 | XXX | XXX | D | A | A | A | D | A | A | A | Closed | FCOM8805 | 2025-07-16 16:54 | 2025-07-18 09:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. See attached. - Seller-07/18/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. See attached. - Seller-07/18/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-07/18/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | CREDIT REPORT AUTHORIZATION AND RELEASE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000726 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | FCRE7843 | 2025-07-24 14:55 | 2025-08-06 11:59 | Resolved | 1 - Information | B | A | Credit | Data | Final 1003 URLA Occupancy Variance | Resolved-Received corrected URLA reflecting Primary Residence. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Property type is reflected investment on final 1003, however it is primary residence. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received corrected URLA reflecting Primary Residence. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months. |  | XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000726 | XXX | XXX | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2025-07-25 09:24 | 2025-08-05 12:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $150000 Missing exception approval letter for minimum loan amount. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-08/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months. | 1) XXX% DTI is less than 50% maximum<br> 2) XXX months of Reserves are greater than 6 month minimum<br> 3) XXX FICO is greater than 700 minimum | XXX XXX XXX Exception Review Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 200000721 | XXX | XXX | D | B | A | A | D | A | C | B | Closed | FPRO1249 | 2025-07-17 16:40 | 2025-07-24 14:09 | Waived | 2 - Non-Material | C | B | Property | Property | Neighborhood Location Not Allowed for Program | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program As per guidelines Rural property is allowed for owner occupancy only. Subject is an investment property transaction. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% | 1) XXX% DTI is less than 50% maximum<br> 2) XXX months of Reserves are greater than 6 month minimum | XXX exception signed GL.pdf<br> RE_ XXX_XXX XXX #XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | Originator Post-Close | Yes |
| XXX | 200000721 | XXX | XXX | D | B | A | A | D | A | C | B | Closed | FCOM8805 | 2025-07-18 18:38 | 2025-07-23 13:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Counter-Received borrower authorization, however it is dated after the date of the credit pull. Still missing documentation to support borrower's authorization to pull credit pulled on 04/06/2025. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-07/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Borrower's Certification & Authorization - Wet Sign.pdf<br> XXX bsa.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000721 | XXX | XXX | D | B | A | A | D | A | C | B | Closed | FCOM1221 | 2025-07-17 17:50 | 2025-07-22 15:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Prepayment Rider. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-The Deed of Trust is Incomplete Deed of Trust in file Dated XXX does not reflect the incorporation of a Prepayment Rider, however, according to the Final Closing Disclosure in file Issued XXX there is a Prepayment Penalty feature. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received Deed of Trust inclusive of Prepayment Rider. - Due Diligence Vendor-07/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | mortgage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000721 | XXX | XXX | D | B | A | A | D | A | C | B | Closed | FCOM1208 | 2025-07-17 17:49 | 2025-07-22 15:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Received Note inclusive of Prepayment Addendum. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-The Note is Incomplete Note in file Dated XXX reflects "This section is superseded by the addendum attached hereto and made a part hereof" for Borrower's Right to Prepay, however, there is no Prepayment Addendum attached. Subject to re-calculation of Note terms upon receipt. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received Note inclusive of Prepayment Addendum. - Due Diligence Vendor-07/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX XXX, LLC - Prepayment Note Addendum (Percentage).pdf<br> Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000721 | XXX | XXX | D | B | A | A | D | A | C | B | Closed | FCOM1209 | 2025-07-17 16:45 | 2025-07-22 14:56 | Resolved | 1 - Information | C | A | Compliance | Closing | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved-Received Note inclusive of Prepayment Addendum to Note. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty Subject to re-calculation of qualifying Note terms upon receipt. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received Note inclusive of Prepayment Addendum to Note. - Due Diligence Vendor-07/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX XXX, LLC - Prepayment Note Addendum (Percentage).pdf<br> Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000672 | XXX | XXX | D | A | D | A | D | A | A | A | Closed | FCOM1221 | 2025-07-19 10:57 | 2025-07-30 08:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust Correction Affidavit. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Please see affidavit attached :) - Seller-07/29/2025 <br> Open-The Deed of Trust is Incomplete The deed of trust incorrectly identifies the date of the note as XXX. - Due Diligence Vendor-07/19/2025 | Ready for Review-Please see affidavit attached :) - Seller-07/29/2025<br>| Resolved-Received Deed of Trust Correction Affidavit. - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 12 months |  | DEED OF TRUST CORRECTION AFFIDAVIT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000672 | XXX | XXX | D | A | D | A | D | A | A | A | Closed | FCRE2371 | 2025-07-21 20:52 | 2025-07-22 09:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received settlement statement for sale of property at XXX. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-The related documentation can be found on page 194 of the package.<br> Kindly review and confirm. - Seller-07/22/2025 <br> Open-Missing copy of settlement statement for sale of property at XXX supporting sale proceeds of $XXX. Subject to re-calculation of assets/reserves upon receipt. - Due Diligence Vendor-07/22/2025 | Ready for Review-The related documentation can be found on page 194 of the package.<br> Kindly review and confirm. - Seller-07/22/2025<br>| Resolved-Received settlement statement for sale of property at XXX - Due Diligence Vendor-07/22/2025 | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 12 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000667 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-07-28 16:15 | 2025-07-29 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 4 Missing | Resolved-Received gift letter and evidence of wire confirmation. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Gift letter from XXX for $XXX uploaded. Initial package included gift receipt for funds sent to escrow. - Seller-07/29/2025 <br> Open-Asset 4 Missing Missing gift letter from XXX (borrowers spouse) and sourcing of the gift funds in the amount of $XXX. $XXX funds were sent directly to escrow but no supporting documents in file. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Gift letter from XXX for $XXX uploaded. Initial package included gift receipt for funds sent to escrow. - Seller-07/29/2025 | Resolved-Received gift letter and evidence of wire confirmation. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Gift Letter_$XXX.pdf<br> Gift Fund Receipt_$XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000667 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-07-28 16:24 | 2025-07-29 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation evidencing no HOI as property is free and clear. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. LOE and property profile uploaded to confirm XXX is free and clear of any mortgage; property is SFR with no HOA. - Seller-07/29/2025 <br> Open-Missing hazard insurance and HOA billing statement for XXX. Hazard insurance must evidence property is free and clear from any mortgages. should the property have a mortgage, lender to provide mortgage statement. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. LOE and property profile uploaded to confirm XXX. is free and clear of any mortgage; property is SFR with no HOA. - Seller-07/29/2025 | Resolved-Received supporting documentation evidencing no HOI as property is free and clear. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PROPERTY PROFILE - XXX.pdf<br> LOE No EOI - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000667 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-07-28 16:25 | 2025-07-29 10:24 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Seller's permit (business license) uploaded to verify business activity. - Seller-07/29/2025 <br>Open-Missing Business license for the past 2 years. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Seller's permit (business license) uploaded to verify business activity. - Seller-07/29/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Biz lic - Seller Permit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000667 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1148 | 2025-07-24 14:32 | 2025-07-29 10:18 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Supplemental title report uploaded. Lender's title insurance coverage of $XXX confirmed. - Seller-07/29/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement to show Lender's title coverage amount. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Supplemental title report uploaded. Lender's title insurance coverage of $XXX confirmed. - Seller-07/29/2025 | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | SUPPLEMENTAL - PIL_$XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000728 | XXX | XXX | D | A | D | A | B | A | A | A | Closed | FCRE4104 | 2025-07-31 13:20 | 2025-08-05 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received supporting documentation for large deposit. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing supporting documentation to support the $XXX large deposit into borrowers XXX acct XXX on XXX. Borrower provided a letter of explanation and the deposit slip but the borrower did not provide an invoice for the construction work that was done to support the $XXX as per the letter of explanation. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received supporting documentation for large deposit. - Due Diligence Vendor-08/05/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | PTP - 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000728 | XXX | XXX | D | A | D | A | B | A | A | A | Closed | FCRE6843 | 2025-07-31 13:22 | 2025-08-01 10:39 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Received supporting gift documentation. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-Missing source of the gift funds in the amount of $XXX from XXX. These funds were deposited into the borrowers account and the source of the funds were not provided. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Received supporting gift documentation. - Due Diligence Vendor-08/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | PTP - 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000728 | XXX | XXX | D | A | D | A | B | A | A | A | Closed | FCOM1329 | 2025-07-28 12:32 | 2025-08-01 08:40 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-08/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | DOC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000729 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2025-07-29 15:25 | 2025-08-06 14:56 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Received supporting documentation. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. This is a combo of the gift - $XXX and the $XXX check from his business account XXX - CPA letter to show 100% ownership in XXX.<br> Deposit slip along with the XXXX checks - Seller-08/06/2025 <br> Open-Missing documentation to support the source of the $XXX deposit in XXX Bank XXX dated XXX. Unable to determine eligibility of the deposit. Subject to re-calculation of assets/reserves upon receipt. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. This is a combo of the gift - $XXX and the $XXX check from his business account XXX - CPA letter to show 100% ownership in XXX.<br> Deposit slip along with the XXX checks - Seller-08/06/2025 | Resolved-Received supporting documentation. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 15.43%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | CPA letter and Verif.pdf<br> XXX-A03-XXXk deposit slip.pdf<br> XXX-A03-XXX from XXX.pdf<br> XXX-A11-Gift letter.pdf<br> XXX-A11-Gift check.pdf<br> XXX-A11-Gift- donor verification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000729 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-07-29 14:58 | 2025-08-06 14:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Missing evidence of HOA dues in the amount of $XXX for property at XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 15.43%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX XXX.pdf<br> XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000730 | XXX | XXX | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2025-08-04 21:54 | 2025-08-11 10:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI/HOI for XXX. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-08/11/2025 <br> Counter-Received HOA Statement. Missing HOI for XXX. Subject to DTI re-calculation. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br> Open-Missing confirmation of HOA Dues for XXX. Subject to DTI re-calculation - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. See attached - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received HOI/HOI for XXX. - Due Diligence Vendor-08/11/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Current Residence-XXX - HOA.pdf<br> Current Residence-XXX - HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Purchase | NA | N/A | N/A |
| XXX | 200000730 | XXX | XXX | D | A | D | A | D | A | A | A | Closed | FCRE1201 | 2025-08-04 05:32 | 2025-08-11 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. File includes supporting documentation to address high alert. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received fraud report. File includes supporting documentation to address high alert. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | DRIVEReportTD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Purchase | NA | N/A | N/A |
| XXX | 200000730 | XXX | XXX | D | A | D | A | D | A | A | A | Closed | FCOM1221 | 2025-08-01 14:32 | 2025-08-11 08:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A"." on Page 3, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | conformed copy-DT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Purchase | NA | N/A | N/A |
| XXX | 200000732 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-08-07 17:09 | 2025-08-11 17:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/11/2025 <br> Resolved-Received supporting documentation of sufficient assets. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Now attached - Seller-08/11/2025 <br> Counter-Lender commentary received - Final Settlement statement is not attached to condition. Final Closing Disclosure included in loan file reflects borrower funds to close as $XXX. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Please see attached Final SS showing the bwr is getting an additional XXX at closing and note from U/W " We have $XXX in verified assets. The borrower brought in $XXX funds to close which leaves $XXX in remaining assets for reserves. Borrower only needs $XXX in reserves so there is sufficient assets remaining for reserves from what I see. Also, based on the Final Closing Statement in file- the borrower actually received $XXX back at closing so that should also be added back into the reserve calculation. If the $XXX is added to the investors calculation of $XXX, the borrower still has sufficient reserves either way." Thank you - Seller-08/11/2025 <br> Counter-Received duplicate asset worksheet already included in loan file. Assets listed are being included in qualifying assets, however assets are still short. Re-calculated reserves of $ XXX (XXX months) are less than the 6-month guideline minimum ($XXX) - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached asset worksheet which shows assets utilized. Please specify which accounts are missing. Thank you - Seller-08/08/2025 <br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of 6 month(s) Re-calculated reserves of $XXX (XXX months) are less than the 6-month guideline minimum ($XXX). Missing sufficient asset statements to support reserve requirements. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Now attached - Seller-08/11/2025 <br> Ready for Review-Please see attached Final SS showing the bwr is getting an additional XXX at closing and note from U/W " We have $XXX in verified assets. The borrower brought in $XXX funds to close which leaves $XXX in remaining assets for reserves. Borrower only needs $XXX in reserves so there is sufficient assets remaining for reserves from what I see. Also, based on the Final Closing Statement in file- the borrower actually received $XXX back at closing so that should also be added back into the reserve calculation. If the $XXX is added to the investors calculation of $XXX, the borrower still has sufficient reserves either way." Thank you - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached asset worksheet which shows assets utilized. Please specify which accounts are missing. Thank you - Seller-08/08/2025 | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/11/2025 <br> Resolved-Received supporting documentation of sufficient assets. - Due Diligence Vendor-08/11/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | asset wkst.pdf<br> XXX-03-Con-Fnl-ClgStmt-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 200000722 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE8946 | 2025-07-21 17:18 | 2025-07-24 16:11 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Lender commentary received - WVOE in file is sufficient per guidelines. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-The provided WVOE indicates that the work start date is XXX and reflects the YTD income through XXX. This supports 24 months of continuous employment and income. Kindly take this into consideration and waive the condition. - Seller-07/24/2025 <br> Open-The provided WVOE does not cover a full 24-month history of income and employment. The WVOE dated XXX only includes income through XXX. Missing a complete WVOE reflecting 24 months of continuous employment and income is required to support the use of bonus income. Additional conditions may apply upon review of the updated documentation. - Due Diligence Vendor-07/21/2025 | Ready for Review-The provided WVOE indicates that the work start date is XXX and reflects the YTD income through XXX. This supports 24 months of continuous employment and income. Kindly take this into consideration and waive the condition. - Seller-07/24/2025 | Resolved-Lender commentary received - WVOE in file is sufficient per guidelines. - Due Diligence Vendor-07/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000733 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1637 | 2025-07-23 09:58 | 2025-07-28 16:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Loss Rent Insurance is required | Resolved-Guideline clarification received - Rent Loss coverage not required. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Could you please refer to our XXX Guidelines? We don't have a guidelines for loss rent insurance. Please help waive the condition. - Seller-07/28/2025 <br> Open-Loss Rent Insurance is required Missing policy with 6 months rental loss coverage and signature from an authorized representative. - Due Diligence Vendor-07/25/2025 | Ready for Review-Could you please refer to our XXX Guidelines? We don't have a guidelines for loss rent insurance. Please help waive the condition. - Seller-07/28/2025 | Resolved-Guideline clarification received - Rent Loss coverage not required. - Due Diligence Vendor-07/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| XXX | 200000733 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE0360 | 2025-07-25 16:29 | 2025-07-28 16:04 | Resolved | 1 - Information | C | A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received corrected VOR reflecting acceptable housing history. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. Could you please take a consideration that there was an typo in the VOR? Attached is the VOR which the date was updated with the initials with it. With a Updated VOR, it has no housing history issue. - Seller-07/28/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR provided reflects less than 12-months rental history. Missing VOR/VOM to document previous housing history to satisfy a full 12-month housing history. Additional conditions may apply upon receipt. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Could you please take a consideration that there was an typo in the VOR? Attached is the VOR which the date was updated with the initials with it. With a Updated VOR, it has no housing history issue. - Seller-07/28/2025<br>| Resolved-Received corrected VOR reflecting acceptable housing history. - Due Diligence Vendor-07/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | VOR_corrected.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| XXX | 200000644 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-07-23 16:34 | 2025-07-29 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. The borrower, XXX, is self-employed as a XXX and operates under his own name without a registered business name. - Seller-07/29/2025 <br> Counter-Received duplicate CPA letter already included in loan file, which is insufficient to clear condition as it does not include the borrower's business name, per Section 2.2 of guidelines. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Could you please review the closing package pg.215? CPA letter is prepared for the borrower's business. Could you please help waive the condition? - Seller-07/23/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter is missing the name of the borrower's business. Missing letter from CPA confirming the name of the borrower's business. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. The borrower, XXX, is self-employed as a XXX and operates under his own name without a registered business name. - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Could you please review the closing package pg.215? CPA letter is prepared for the borrower's business. Could you please help waive the condition? - Seller-07/23/2025 | Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 49<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70%. |  | CPA.pdf<br>LOE - Business Name.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000644 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2025-07-23 16:34 | 2025-07-24 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-P&L is prepared by CPA and is sufficient. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Could you please review the closing package pg.216 - 217? It Includes the P&L 2025 and 2024. Please help waive the condition. - Seller-07/23/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Third-party prepared P/L is missing the name of the borrower's business. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Could you please review the closing package pg.216 - 217? It Includes the P&L 2025 and 2024. Please help waive the condition. - Seller-07/23/2025<br>| Resolved-P&L is prepared by CPA and is sufficient. - Due Diligence Vendor-07/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 49<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70%. |  | PL 2024 2025 XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000661 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-07-18 09:22 | 2025-07-25 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Please see the attached EOI - Seller-07/24/2025 <br>Open-Missing Hazard Insurance Policy from the file. Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Please see the attached EOI - Seller-07/24/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50.00%<br> LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 80.00% |  | EOI RCE - 34675.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000734 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1676 | 2025-07-28 11:58 | 2025-08-05 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Credit General | Resolved-Received revised 1008/1003 including solar payment in liabilities. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Please find attached updated 1008, 1003. DTI is updated . - Seller-08/04/2025 <br> Counter-Lender commentary received - Section 8.3 of guidelines referenced, are XXX guidelines which reflect monthly lease payment must be included in the DTI ratio unless the payment goes entirely to pay for the energy. Please confirm with investor if pricing hit is applicable for DTI of XXX%. Missing updated 1008/URLA reflecting solar lease payment included in liabilities. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-This is a non-QM loan, and we follow our own guidelines, so referencing Section 8.3 may not be applicable or persuasive. However, to resolve the dispute, we are willing to adjust the DTI to XXX% if it does not impact pricing. Please confirm if there would be any pricing implications at this DTI level. Thank you for your guidance.<br> - Seller-07/30/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Per Section 8.3 of guidelines, the monthly lease payment must be included in the DTI ratio unless the payment goes entirely to pay for the energy. Any portion of the payment that is not used to purchase energy must be included in the DTI ratio. Solar Agreement submitted is not a Power Purchase Agreement. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-In regard to the condition noting that the solar lease payment of $XXX must be included in the DTI calculation, we respectfully seek further clarification. Could you kindly clarify where in the specific policy or guideline it states that only Power Purchase Agreements (PPAs) are eligible for exclusion from DTI? - Seller-07/30/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as monthly payment must be included in DTI - agreement is not a Power Purchase Agreement. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-The solar liability may be excluded if there is a production guarantee and a refund/credit will be given if the system fails to meet the production guarantee. Please kindly waive the condition. - Seller-07/29/2025 <br> Open-Audited DTI XXX% exceeds lender's calculated DTI XXX by XXX% dues to lender did not include Solar Lease Payment of $XXX in DTI calculations. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find attached updated 1008, 1003. DTI is updated . - Seller-08/04/2025 <br> Ready for Review-This is a non-QM loan, and we follow our own guidelines, so referencing Section 8.3 may not be applicable or persuasive. However, to resolve the dispute, we are willing to adjust the DTI to XXX% if it does not impact pricing. Please confirm if there would be any pricing implications at this DTI level. Thank you for your guidance. - Seller-07/30/2025 <br> Ready for Review-In regard to the condition noting that the solar lease payment of $XXX must be included in the DTI calculation, we respectfully seek further clarification. Could you kindly clarify where in the specific policy or guideline it states that only Power Purchase Agreements (PPAs) are eligible for exclusion from DTI? - Seller-07/30/2025 <br> Ready for Review-The solar liability may be excluded if there is a production guarantee and a refund/credit will be given if the system fails to meet the production guarantee. Please kindly waive the condition. - Seller-07/29/2025 | Resolved-Received revised 1008/1003 including solar payment in liabilities. - Due Diligence Vendor-08/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UPDATED 1008 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000734 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2025-07-28 11:10 | 2025-07-30 09:57 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received supporting documentation. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please find attached and kindly waive the condition - Seller-07/29/2025 <br> Counter-Received snippet of recorded UCC Lien, however information is cut off. Missing complete copy of recorded UCC Lien. Additional conditions may apply upon receipt. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Could you please review the solar documents again? Title Schedule A Item #5 is a UCC-1 fixture filing. The recorded document itself states the solar agreement does not create a lien in the debtor's real property. Please waive the condition. - Seller-07/29/2025 <br> Open-Property Title Issue Missing evidence the title does not reflect any liens related to the ownership or maintenance of the solar panels that will result in a lien superior to XXX's first lien position. A UCC Financing Statement appears on title submitted, Schedule A, #5 & #6. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please find attached and kindly waive the condition - Seller-07/29/2025 <br>Ready for Review-Document Uploaded. Could you please review the solar documents again? Title Schedule A Item #5 is a UCC-1 fixture filing. The recorded document itself states the solar agreement does not create a lien in the debtor's real property. Please waive the condition. - Seller-07/29/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-07/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Solar Lien.pdf<br>UCC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000735 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-07-29 18:02 | 2025-07-30 09:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Supporting documentation received. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Could you please review the closing package page 191 and waive the condition? Business license is to verify that details for the license information. - Seller-07/29/2025 <br>Open-Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. - Due Diligence Vendor-07/29/2025 | Ready for Review-Could you please review the closing package page 191 and waive the condition? Business license is to verify that details for the license information. - Seller-07/29/2025<br>| Resolved-Supporting documentation received. - Due Diligence Vendor-07/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000818 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-07-23 12:44 | 2025-07-25 10:19 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received final title policy reflecting removal of item #10 on title. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Please see attached - Seller-07/25/2025 <br> Counter-Received supporting documentation of collection of $XXX fee on settlement statement for item 10 on Schedule BI. Still missing supporting documentation item #10 on Schedule BII was satisfactorily resolved (required by title). - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Hello, please see final Alta showing $XXX TIFF paid as per item #10 - Seller-07/23/2025 <br> Open-Property Title Issue Missing documentation to support item #10 on Schedule "B" of title commitment was satisfactorily resolved (required by title). - Due Diligence Vendor-07/23/2025 | Ready for Review-Please see attached - Seller-07/25/2025 <br> Ready for Review-Hello, please see final Alta showing $XXX TIFF paid as per item #10 - Seller-07/23/2025 | Resolved-Received final title policy reflecting removal of item #10 on title. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months. <br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXXFinalAlta.pdf<br> 21 XXX XXX Commitment 2024.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000820 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-07-28 13:30 | 2025-08-01 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete, Cleared fraud report. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Please find attached the fraud report. Thank you! - Seller-07/31/2025 <br>Counter-Lender commentary received, however fraud report included in loan file is not a complete report. Missing complete fraud report. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-The Third Party Fraud Report has already been provided. Please refer to pages 153 to 157 of the closed package and waive the condition. - Seller-07/30/2025 <br>Open-Missing Third Party Fraud Report . - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please find attached the fraud report. Thank you! - Seller-07/31/2025 <br>Ready for Review-The Third Party Fraud Report has already been provided. Please refer to pages 153 to 157 of the closed package and waive the condition. - Seller-07/30/2025<br>| Resolved-Received complete, Cleared fraud report. - Due Diligence Vendor-08/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Fraud Fraud Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 200000821 | XXX | XXX | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2025-07-31 16:34 | 2025-08-01 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Guideline clarification received. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please refer to XXX guideline. Since the application date is XXX, the current YTD Profit & Loss should cover XXX - XXX XXX. Kindly waive the condition. - Seller-07/31/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Provided profit and loss is through XXX. Missing Year to date profit and loss through most recent month end (XXX) prior through application, (application is datedXXX). <br> Subject to additional condition upon receipt. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please refer to XXX guideline. Since the application date is XXX, the current YTD Profit & Loss should cover XXX - XXX XXX. Kindly waive the condition. - Seller-07/31/2025 | Resolved-Guideline clarification received. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 4 months<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX XXX Guideline.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 200000822 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-07-25 19:59 | 2025-07-30 17:31 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting #5 will remain on title. #5 are XXX-XXX and included in taxes. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Here's the title supplement showing item # 5 on the prelim will show since it is payable with the general property taxes and may not be prepaid. - Seller-07/29/2025 <br> Open-Property Title Issue Property Title Issue Missing documentation to support the release of lien items reflected on title report title items #5 Special Tax Lien (Library Services) will not be on final policy. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Here's the title supplement showing item # 5 on the prelim will show since it is payable with the general property taxes and may not be prepaid. - Seller-07/29/2025<br>| Resolved-Received title supplement reflecting #5 will remain on title. #5 are XXX-XXX and included in taxes. - Due Diligence Vendor-07/30/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | 500239sup.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 200000822 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE1638 | 2025-07-25 17:08 | 2025-07-29 09:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Loss Rent Coverage is Insufficient | Resolved-Guideline clarification received - Rent Loss insurance not required. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Could you please refer to our XXX Guidelines? We don't have a guidelines for loss rent insurance. Please help waive the condition - Seller-07/29/2025 <br> Open-Loss Rent Coverage is Insufficient Loss rent is not equal to 6 months rental loss coverage. Missing policy with rental loss coverage equal to 6 months, current policy's rental loss coverage is short $XXX. - Due Diligence Vendor-07/25/2025 | Ready for Review-Could you please refer to our XXX Guidelines? We don't have a guidelines for loss rent insurance. Please help waive the condition - Seller-07/29/2025 | Resolved-Guideline clarification received - Rent Loss insurance not required. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 200000822 | XXX | XXX | C | A | C | A | A | A | A | A | Closed | FCRE0360 | 2025-07-25 16:48 | 2025-07-29 09:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received revised VOR reflecting 12-month history. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/29/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOR/VOM provided reflects less than 12-months rental history. Missing VOR/VOM to document previous housing history to satisfy a full 12-month housing history. Additional conditions may apply upon receipt. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/29/2025<br>| Resolved-Received revised VOR reflecting 12-month history. - Due Diligence Vendor-07/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | VOR_corrected.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |

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## Exhibit 99.8

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| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** |
| XXX | 200000745 | XXX | XXX | XXX | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXX | 200000784 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000724 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000791 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000795 | XXX | XXX | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000796 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000797 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000800 | XXX | XXX | XXX | D | D | D | D | D | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000725 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000806 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000641 | XXX | XXX | XXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000723 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000726 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXX | 200000721 | XXX | XXX | XXX | A | A | A | A | A | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXX | 200000672 | XXX | XXX | XXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000667 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000728 | XXX | XXX | XXX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000729 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000730 | XXX | XXX | XXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000731 | XXX | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000732 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000722 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000733 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000644 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000661 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000734 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000735 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000818 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000820 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000821 | XXX | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 200000822 | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.8

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Final Tape Compare |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 200000745 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000745 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Qualified Mortgage |
| XXX | 200000784 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000784 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 200000795 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3 YR |
| XXX | 200000796 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 3 YR |
| XXX | 200000796 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000797 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000800 | XXX | XXX | XXX | Property City | notePage | XXX | XXX |
| XXX | 200000800 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 200000800 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 200000725 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 200000725 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 200000725 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 200000641 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 200000726 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000726 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 200000721 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 200000721 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Exempt |
| XXX | 200000672 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 2 YR |
| XXX | 200000667 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 200000667 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000728 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 200000729 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 200000730 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 200000731 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 200000731 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000731 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000732 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 200000732 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 200000722 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000722 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 200000661 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000734 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 200000820 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Supplemental Data |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| XXX | 200000745 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.250% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000784 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.000% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.868 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000724 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting |  | No | 7.568% |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 90.15% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000791 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting |  | No | 7.544% |  | 7.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000795 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.061 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000796 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000797 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting |  | No | 7.347% |  | 7.125% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  | 3 - Verified<2Mos |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000800 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000725 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.497 | 1.49 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000806 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/07/2025 | 6.670% | Manual Underwriting |  | No | 7.575% |  | 7.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000641 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting |  | No | 7.048% |  | 6.875% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000723 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting |  | No | 7.091% |  | 7.000% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 53016.73% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000726 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting |  | No | 8.328% |  | 7.875% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000721 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2022, 2023, 2024, 2025 | Borrower - 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000672 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.125% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.706 | 1.706 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000667 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 7.702% |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000728 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/11/2025 | 6.670% | Manual Underwriting |  | No | 7.617% |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000729 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 73.19% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000730 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/14/2025 | 6.750% | Manual Underwriting |  | No | 7.422% |  | 7.125% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2021, 2022, 2023, 2024, 2025 | Borrower - 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000731 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.625% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.853 | 0.853 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000732 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.990% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000722 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.830% | Manual Underwriting |  | No | 7.470% |  | 7.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 23 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000733 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000644 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting |  | No | 7.195% |  | 7.000% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | Tax Preparer |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000661 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting |  | No | 7.951% |  | 7.625% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000734 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 7.690% |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 17 | Tax Preparer |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000735 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 7.723% |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000818 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 7.649% |  | 7.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 87.93% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000820 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting |  | No | 7.131% |  | 7.000% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | Yes | 69 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000821 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting |  | No | 7.459% |  | 7.000% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000822 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |

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| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 200000745 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | USA | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000784 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 200000724 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000791 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000795 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000796 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000797 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000800 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 200000725 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 200000806 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000641 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000723 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000726 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000721 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000672 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000667 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000728 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | UNITED STATES | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000729 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000730 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000731 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000732 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000722 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | UNITED STATES | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000733 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | UNITED STATES | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000644 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000661 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000734 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000735 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000818 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000820 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | UNITED STATES | XXX |  | XXX | Missing | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000821 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | UNITED STATES | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 200000822 | XXX | XXX |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | UNITED STATES | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | QM ATR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 200000745 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Missing |
| XXX | 200000784 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No | No | Yes | Present |
| XXX | 200000724 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000791 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | Yes | Employed |  | No |  | No |  |
| XXX | 200000795 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 200000796 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000797 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000800 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 200000725 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 200000806 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000641 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000723 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000726 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000721 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000672 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 200000667 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000728 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000729 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000730 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000731 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 200000732 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000722 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000733 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000644 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000661 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000734 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000735 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000818 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000820 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000821 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 200000822 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.8

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| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Valuation Summary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Eligible for Rep-Warr Relief per Loan Collateral Advisor** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** | **Primary Appraiser License** | **Primary Appraiser Name** | **Appraiser Company Name** | **Completion Report (1004D) Date** |
| XXX | 200000745 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 2.6 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000784 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000724 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .0254 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 2.6 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000791 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXX | Not Eligible | 3.5 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000795 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000796 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000797 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1.1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000800 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 2.3 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000725 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000806 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 3 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000641 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000723 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1.2 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000726 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000721 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000672 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 2.6 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000667 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000728 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000729 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000730 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000731 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .0003 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000732 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000722 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000733 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000644 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 2.6 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000661 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000734 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Eligible | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000735 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000818 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Eligible | 3.5 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000820 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 2.9 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000821 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1 | XXX | XXX | XXX | XXX | XXX |
| XXX | 200000822 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 4.2 | XXX | XXX | XXX | XXX | XXX |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](incenter_logo.jpg) | ![](incenter_logo.jpg) | Report Date: | 9/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Loan Funding Structure III LLC | Loan Funding Structure III LLC | Report: | Business Purpose Supplement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | BRAVO 2025-NQM9 UPDATED | BRAVO 2025-NQM9 UPDATED | Loans in report: | 31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXX | 200000745 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Missing | Yes | XXX | 4100 | Appraisal - 1007 |  |  |  |  | XXX | Actual In Place Rent | No | XXX | XXX | XXX | XXX | XXX | XXX | 12 | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 1 | 1 | N/A | XXX | No | XXX |  | Vested Individual | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 200000784 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | 3500 | Appraisal - 1025 |  |  |  |  | XXX | Appraisal - 1025 | No | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 1 | 1 | N/A | XXX | No | XXX |  | Vested Individual | XXX | XXX | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 200000795 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | 2750 | Appraisal - 1007 |  |  |  |  | XXX | Appraisal - 1007 | No | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 0 | 1 | N/A | XXX | No | XXX |  | Vested Individual | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 200000725 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | 4400 | Appraisal - 1025 |  |  |  |  | XXX | Appraisal - 1025 | No | XXX | XXX | XXX | XXX | XXX | XXX | 12 | XXX | XXX | 12 | XXX | XXX | 12 | XXX | XXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | Limited Liability Corporation (LLC) | Business Entity | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 200000672 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | 2500 | Appraisal - 1007 |  |  |  |  | XXX | Appraisal - 1007 | No | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 1 | 1 | N/A | XXX | No | XXX |  | Vested Individual | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 200000731 | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | 24200 | Appraisal - 1007 |  |  |  |  | XXX | Appraisal - 1007 | No | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | No | XXX | 1 | 1 | N/A | XXX | No | XXX |  | Vested Individual | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse |  |

---

## Exhibit 99.9

**Exhibit 99.9**

![](stonehill_logo.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Loan Funding Structure III LLC (the "Client"). The Review took place from July 2025 to August 2025 on Loans with origination dates in June 2025 to July 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 16 Loans totaling an original principal balance of approximately $11184422.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 11 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (49 Fields)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;MINNo |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;NoteDate |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;NumberofUnits |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;OriginatorDocType |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;OriginatorQMStatus |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;PrepaymentPenaltyFlag |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PropertyTaxAmount |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;PropertyZipCode |

---

![](stonehill_logo.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;QualifyingCLTV |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;SalesPrice |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;MaturityDate |  |

---

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (11 Loans)**

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

**Credit Application:** For the Credit Application, TSG 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:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG 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, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the

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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.

**Occupancy Review:** TSG 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:** As part of the review, TSG verified 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:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

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

**Additional Review of Mortgage Loan File:** TSG 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 in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

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

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

---

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

---

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

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

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

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**Residential Population (11 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any
re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance
by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator
was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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,
TSG's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
the mortgage loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in
connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other
non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual
mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument,
Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

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**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to
determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage
loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained
no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability 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;

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iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt
of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial
and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages
as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence

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findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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, TSG 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.

 

**General Ability to Repay**

TSG 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.

 

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

![](stonehill_logo.jpg)

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

 

**(VI) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) 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;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

**(XI) Document Review**

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting
summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T
and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard
and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right
of Rescission Disclosure;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;18.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

100% of Loans received an "A" compliance grade and 0 Loans received a compliance grade of "B."

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** |

---

![](stonehill_logo.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;87.5% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.5% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 49 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;8 | &nbsp;&nbsp;15 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |

---

![](stonehill_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.5% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyTaxAmount | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;7 | &nbsp;&nbsp;15 | &nbsp;&nbsp;46.67% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.5% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.0 | &nbsp;&nbsp;$11184422.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.0 | &nbsp;&nbsp;$11184422.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;11 | &nbsp;&nbsp;68.75% | &nbsp;&nbsp;$7171922.00 | &nbsp;&nbsp;64.12% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;5 | &nbsp;&nbsp;31.25% | &nbsp;&nbsp;$4012500.00 | &nbsp;&nbsp;35.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

 

![](stonehill_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;6 | &nbsp;&nbsp;37.5% | &nbsp;&nbsp;$6009250.00 | &nbsp;&nbsp;53.73% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$164000.00 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;7 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$3923672.00 | &nbsp;&nbsp;35.08% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.5% | &nbsp;&nbsp;$1087500.00 | &nbsp;&nbsp;9.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;7 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$6974000.00 | &nbsp;&nbsp;62.35% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;$4210422.00 | &nbsp;&nbsp;37.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;7 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$6019750.00 | &nbsp;&nbsp;53.82 |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$269366.00 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$512000.00 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;MD | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$809250.00 | &nbsp;&nbsp;7.24% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;8.94% |
| &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$565500.00 | &nbsp;&nbsp;5.06% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$494556.00 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$543750.00 | &nbsp;&nbsp;4.86% |
| &nbsp;&nbsp;WI | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.5% | &nbsp;&nbsp;$970250.00 | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$11184422.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| REDACTED |  | 200000751 |  | REDACTED | IN30FIO | Debt Service Coverage Ratio | Present | Yes | 6600 | 5400 | Appraisal - 1025 |  | N/A |  |  | 5400 | Appraisal - 1025 | No | 87.54 | 1.142 | 1.142 | REDACTED | 3300 | REDACTED | 12 | 3300 | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27150 |  |  |  | 5400 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 121.08 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| REDACTED |  | 200000678 |  | REDACTED | DSCR 30 IO (5% | Debt Service Coverage Ratio | Present | No | 0 | 4850 | Appraisal - 1025 |  | N/A |  |  | 4850 | Appraisal - 1025 | No | 97.95 |  | 1.021 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60600 |  |  |  | 4850 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 8.56 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| REDACTED |  | 200000668 |  | REDACTED | DSCR 30 (No PP | Debt Service Coverage Ratio | Present | Yes | 2650 | 3150 | Appraisal - 1007 |  | N/A |  |  | 2650 | Actual In Place Rent | No | 88.83 |  | 1.126 | REDACTED | 2650 | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56800 |  |  |  | 2650 |  |  |  |  |  |  | No | No | 10.7 | 1 | 1 | N/A | 37.52 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| REDACTED |  | 200000738 |  | REDACTED | 30 YR FIXED | 1YR Business P&L | N/A |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 8.6 | 1 | 1 | N/A | 32.03 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| REDACTED |  | 200000739 |  | REDACTED | 30 yr fixed | 1YR Business P&L | N/A |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  |  |  |  |  |  |  |  |  | No | 2.4 | 2 | 1 | N/A | 86.93 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |

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## Exhibit 99.9

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| REDACTED |  | 200000763 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lien release with both docket numbers received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the updated payoff letter that references both accounts (REDACTED and REDACTED)<br> Thanks! - Buyer-REDACTED <br> Counter-Discharge of Lien (unrecorded) received from HOA. #REDACTED shows the creditor as the Division of Taxation, not the HOA. Verification that #REDACTED was paid prior to closing and title is needed to verify lien position. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. lien release attached - Buyer-REDACTED <br> Open-Property Title Issue Additional judgement docket #REDACTED pg 100 on title was not paid at closing. All judgments must be paid off either prior to or at closing. (Notice of Claim proof paid of on page 125. #REDACTED pd at closing pg 342 and payoff on page 345.) - Due Diligence Vendor-REDACTED |  | Resolved-Lien release with both docket numbers received - Due Diligence Vendor-REDACTED |  |  | lien release.pdf<br> REDACTED Payoff Letter REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 200000763 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached Fraud Report.<br> Thanks! - Buyer-REDACTED<br> Open-Missing Third Party Fraud Report Fraud report is missing from file - Due Diligence Vendor-REDACTED |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED_REDACTED_FRAUDGUARD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 200000763 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Waived per UW: Our guidelines only require a letter of explanation for any disputed account with derogatory credit in the last two years. Since the account with Loan Depot was not a disputed tradeline, we are not required to obtain a letter of explanation. Our guidelines allow for a 1x30x12 - Seller-REDACTED<br> Open-1. mortgage with LoanDepot shows 1x30 in the last 12 mos. The file is missing explanation for late payment in REDACTED. <br> 2. missing letter of explanation for all derogatory credit in the last 2 yrs. - Due Diligence Vendor-REDACTED | Ready for Review-Waived per UW: Our guidelines only require a letter of explanation for any disputed account with derogatory credit in the last two years. Since the account with Loan Depot was not a disputed tradeline, we are not required to obtain a letter of explanation. Our guidelines allow for a 1x30x12 - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 200000751 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 200000678 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Document received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Document received. - Due Diligence Vendor-REDACTED |  |  | AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT NOTICE-D.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000668 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 200000738 | D A B C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been <br> entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED<br> Resolved-2nd appraisal received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 Per guidelines section 14.1 (pg 43), loan amounts >$REDACTED require 2 appraisals. Only 1 appraisal was found in the file. (pg 202). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Secondary Valuation or Additional Valuation is present or Not Required (CU Score is '') - Due Diligence Vendor-REDACTED<br> Resolved-2nd appraisal received. - Due Diligence Vendor-REDACTED |  |  | 1st appraisal.pdf<br>2nd appraisal.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000738 | D A B C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Monthly mortgage payment for property included in DTI calculation. TPR DTI 39%. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached Final 1003, this property is not sold. - Seller-REDACTED<br> Open-Per 1003, investment property at REDACTED was sold. A copy of the final CD or HUD-1 Settlement statement is required to exclude loss of $REDACTED. No documentation verifying payoff and close found in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Final 1003, this property is not sold. - Seller-REDACTED | Resolved-Monthly mortgage payment for property included in DTI calculation. TPR DTI 39%. - Due Diligence Vendor-REDACTED |  |  | Final 1003-REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000738 | D A B C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Underwriter Worksheet detailing the qualifying income calculations and debt obligations considered is missing. Required per guidelines Section 13 (pg 41) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | 1008 - Transmittal Summary-REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000738 | D A B C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at application | Resolved-Document received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Guidelines require a Right to Receive Appraisal Disclosure. However, NO Right to Receive Appraisal Disclosure was located during review. The Right to Receive Appraisal Disclosure is missing.<br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Document received - Due Diligence Vendor-REDACTED |  |  | Notice of Right to Receive Copy of Written Appraisal_Valuation.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000738 | D A B C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title documents received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) Guidelines require a Proposed Amount of Coverage on title. However, no Proposed Amount of Coverage is shown on title pages 189 and supplements pages 187, 188. The Proposed Amount of Coverage is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Updated title documents received. - Due Diligence Vendor-REDACTED |  |  | REDACTED LP.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000666 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 200000737 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - on updated 1008 - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - on updated 1008 - Due Diligence Vendor-REDACTED |  |  | 1008 - Transmittal - REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000737 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Updated title & verification that the DOTs for $REDACTED & $REDACTED are paid and removed as liens. (Liens were not paid off through closing.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED |  |  | LP-REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000737 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title documents received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) The loan amount is $REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Updated title documents received. - Due Diligence Vendor-REDACTED |  |  | LP-REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000658 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 200000739 | D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title insurance lenders coverage amount needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED |  |  | Lenders Policy.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000739 | D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-CD and source docs received. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Large Deposit of $REDACTED is sourced. Final Settlement Statement provided for property REDACTED - Cash Out Refinance. <br> - Seller-REDACTED<br> Open-Checking account #REDACTED page 74 - large deposit of $REDACTED not sourced. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Large Deposit of $ REDACTED is sourced. Final Settlement Statement provided for property REDACTED- Cash Out Refinance. <br> - Seller-REDACTED | Resolved-CD and source docs received. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED June - large Deposit Source.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000739 | D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Resolved per updated MK guidelines received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. This is not a PL Plus program, this is PL Prime. Please see attached guides. <br> Document age - 90 days prior to the note date accepted. See page 3 of guides. <br> - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines P&L end date must be within 60 days of note date. However, P&L page 65 reflects the period from REDACTED to REDACTED with a note date of REDACTED page 259 equaling 63 days. The income documentation is aged more than 60 days. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is not a PL Plus program, this is PL Prime. Please see attached guides. <br> Document age - 90 days prior to the note date accepted. See page 3 of guides. <br> - Seller-REDACTED | Resolved-Resolved per updated MK guidelines received. - Due Diligence Vendor-REDACTED |  |  | PL Prime vREDACTED.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000739 | D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-All documentation received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Primary PITI required. However, credit reporting reflects a payment of $REDACTED page 41 and taxes page 50 $REDACTED totaling $REDACTED with no insurance policy provided. While the 1003 page 19 reflects a payment of $REDACTED and 1008 page 16 reflects $REDACTED was used for review. Provide mortgage statement and/or CD for refinance with MK lending reflected on 1003 in amount of $REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-All documentation received. Resolved. - Due Diligence Vendor-REDACTED |  |  | Closing Disclosure - REDACTED.pdf<br> Insurance - REDACTED.pdf<br> Note - REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000739 | D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | Neighborhood Location Not Allowed for Program | Resolved-Allowed per updated guidelines, resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. This is not a PL Plus program, this is PL Prime. Please see attached guides. <br> Rural Property Allowed - Max LTV/CLTV 80% Purchase, 75% Refinance - Seller-REDACTED<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property location is reflected as Rural by appraiser for an investment property. MK Matrix/guidelines do not allow rural properties as investment property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is not a PL Plus program, this is PL Prime. Please see attached guides. <br> Rural Property Allowed - Max LTV/CLTV 80% Purchase, 75% Refinance - Seller-REDACTED | Resolved-Allowed per updated guidelines, resolved. - Due Diligence Vendor-REDACTED |  |  | PL Prime vREDACTED.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000742 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. yes, history for REDACTED was provided for REDACTED, REDACTED, JREDACTED. Prior to acquiring this property, the borrower lived in her previous owed property (REDACTED) - which is with REDACTED. Which is reflecting on her credit report, with more than enough payment history verified. The required 12 months complete. Please help waive this condition. - Seller-REDACTED <br> Counter-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Counter-Documents provide housing history for REDACTED, REDACTED, REDACTED. Cancelled checks not received. REDACTED guidelines require 12 months with proof of payment/cancelled checks housing history payment verification for the prior 12 months. Verification of borrower housing history- rent - etc. is required - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Document Uploaded. Promissory Note provided - first payment commencing on REDACTED. See attached Note again Transaction History provided - See page 2 of the Loan Statement, its showing payment REDACTED, REDACTED made. Updated Payoff Statement provided - Account information on page 1, showing next due date REDACTED, that's confirmation REDACTED payment was made. - Seller-REDACTED<br> Counter-The docs for this finding are not uploaded to this loan, not on other finding. Will you please re-upload? Still needed - Verification of mortgage/housing history for the last 12 months with proof of payment/cancelled checks is required per REDACTED guidelines. Current loan on property is not on creidt report and property has only been owned since REDACTED<br> - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Sorry, pasted the wrong docs on other finding. Please see other finding for docs on this finding. <br>Here I have attached the Final Title Policy that belongs to the other finding. - Seller-REDACTED<br> Open-Verification of mortgage/housing history for the last 12 months with proof of payment/cancelled checks is required per REDACTED guidelines. Current loan on property is not on creidt report and property has only been owned since REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. yes, history for REDACTED was provided for REDACTED, REDACTED, REDACTED. Prior to acquiring this property, the borrower lived in her previous owed property (REDACTED) - which is with REDACTED. Which is reflecting on her credit report, with more than enough payment history verified. The required 12 months complete. Please help waive this condition. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Document Uploaded. Promissory Note provided - first payment commencing on REDACTED. See attached Note again Transaction History provided - See page 2 of the Loan Statement, its showing payment REDACTED, REDACTED made. Updated Payoff Statement provided - Account information on page 1, showing next due date REDACTED, that's confirmation REDACTED payment was made. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Sorry, pasted the wrong docs on other finding. Please see other finding for docs on this finding. <br>Here I have attached the Final Title Policy that belongs to the other finding. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTEDLP.pdf<br> Updated Pay off.pdf<br> REDACTED Docs.pdf<br> REDACTEDDocs.pdf<br> REDACTEDDocs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 200000742 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Open-Rate/term - no seasoning - resolved - Due Diligence Vendor-REDACTED<br> Open-Property does not meet seasoning requirements - Due Diligence Vendor-REDACTED |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 200000742 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - SellerREDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | Aff-V.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 200000742 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - calculation on updated 1008 - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - calculation on updated 1008 - Due Diligence Vendor-REDACTED |  |  | 1008-V.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 200000742 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-FTP received indicating amount of Lender's Title Coverage - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Promissory Note provided - first payment commencing on REDACTED. See attached Note again <br> Transaction History provided - See page 2 of the Loan Statement, its showing payment REDACTED, REDACTEDmade. <br> Updated Payoff Statement provided - Account information on page 1, showing next due date REDACTED, that's confirmation REDACTED payment was made. - SellerREDACTED<br> Open-Verificcation of lenders coverage amount for title insurance is required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Promissory Note provided - first payment commencing on REDACTED. See attached Note again <br> Transaction History provided - See page 2 of the Loan Statement, its showing payment REDACTED,REDACTED made. <br> Updated Payoff Statement provided - Account information on page 1, showing next due date REDACTED, that's confirmation REDACTED payment was made. - Seller-REDACTED | Resolved-FTP received indicating amount of Lender's Title Coverage - Due Diligence Vendor-REDACTED |  |  | REDACTED Docs.pdf<br> Updated Pay off.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 200000788 | D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-FTHB w/out rental history - meets guideline requirementd, resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached from UW. FTHB w/o rental history fit matrix/guidelines. Letter is not required. - Seller-REDACTED<br> Open-Guidelines state that borrowers must have satisfactory consecutive 12-month primary mortgage and/or rent payment history in the 3 years prior to loan application and for borrowers who own all property free and clear there is no mortgage/rent history requirement. Verification that borrowers own the property free and clear or verification of satisfactory rent payment history is required. - Due Diligence Vendor-REDACTED<br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence VendorREDACTED<br> Ready for Review-Document Uploaded. UW does not require per guidelines section 6.5.1 - BuyerREDACTED<br> Open-Borrowers have no rent per 1003, rent free letter/verification needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached from UW. FTHB w/o rental history fit matrix/guidelines. Letter is not required. - Seller-REDACTED | Resolved-FTHB w/out rental history - meets guideline requirementd, resolved - Due Diligence Vendor-REDACTED<br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | rent free guide.pdf<br> REDACTED email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000788 | D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Ready for Review-The supplement on page 292 reflects the proposed insured as the seller and correct loan amount of $REDACTED which will reflect on final title policy. - Buyer-REDACTED<br> Open-Title Document is incomplete or only partially present preliminary title is missing Lender's coverage, the supplement on page 292 shows loan amount of $REDACTED not Lender's coverage amount. - Due Diligence Vendor-REDACTED |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000788 | D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. initial cr report attached - Seller-REDACTED<br> Open-Borrower 1 Credit Report is Missing. INITIAL CREDIT REPORT IS MISSING. APPLICATION DATE IS REDACTED AND THERE CREDIT REPORT ON PG 484 IS DATED REDACTED 1 DAY PRIOR TO LOAN DISBURSING. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. initial cr report attached - Seller-REDACTED | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED cr report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000788 | D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. initial cr report attached - Seller-REDACTED<br> Open-Borrower 2 Credit Report is Missing. INITIAL CREDIT REPORT IS MISSING. APPLICATION DATE IS REDACTED AND THERE CREDIT REPORT ON PG 484 IS DATED REDACTED 1 DAY PRIOR TO LOAN DISBURSING. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. initial cr report attached - Seller-REDACTED | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED cr report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000788 | D B A | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-P&L income verified CTEC only, first time homebuyer - Due Diligence Vendor-REDACTED |  | Waived-P&L income verified CTEC only, first time homebuyer - Due Diligence Vendor-REDACTED |  | 5 years self-employment history, 17 years good credit history with no derogatory credit noted |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| REDACTED |  | 200000740 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Expanded DTI up to 55%, Borrower has additional reserves, meets CLTV & FICO requirements for property type. - Due Diligence Vendor-REDACTED<br> Open-Max DTI is 50%. 1008 reflects DTI above 50%. Audited DTI is 51%. - Due Diligence Vendor-REDACTED |  | Resolved-Expanded DTI up to 55%, Borrower has additional reserves, meets CLTV & FICO requirements for property type. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000740 | D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED-Final Third Party FRAUD Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000810 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Documentation received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED<br> Open-Asset 4 Missing The borrower qualified with an Asset in the amount of $REDACTED from A CD with REDACTED, account #REDACTED. There is no evidence of this asset in the file. - Due Diligence Vendor-REDACTED |  | Resolved-Documentation received - Due Diligence Vendor-REDACTED |  |  | Certificate Account #REDACTED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000810 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOR received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrowers Primary Housing History has not been verified. Per the Final 1003, the borrowers previous primary housing was a rental. There is no Verification of Rent provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED | Resolved-VOR received - Due Diligence Vendor-REDACTED |  |  | Credit Supp VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000810 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC forms. <br> Thanks! - Buyer-REDACTED<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO ADMIN FEE OR INVESTOR FEE DISCLOSED ON THE INITIAL LE. AN ADMIN FEE OF $REDACTED AND AN INVESTOR FOEE OF $REDACTED WERE BOTH DISCLOSED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTEDCOC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000810 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC forms. <br> Thanks! - Buyer-REDACTED<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO ADMIN FEE OR INVESTOR FEE DISCLOSED ON THE INITIAL LE. AN ADMIN FEE OF $REDACTED AND AN INVESTOR FOEE OF $REDACTED WERE BOTH DISCLOSED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTEDCOC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 200000810 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Exception in file to allow - The subject property is a Non-Warrantable condo/condo project with over 50% commercial space (REDACTED total units). - Due Diligence Vendor-REDACTED |  | Waived-Exception in file to allow - The subject property is a Non-Warrantable condo/condo project with over 50% commercial space (10 total units). - Due Diligence Vendor-REDACTED |  | Long established with HOA transfer to unit owners in REDACTED, no current HOA fee delinquencies or pending litigation, Full doc DTI of 26% vs. program max, LTV 5% under max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| REDACTED |  | 200000802 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 200000743 | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 200000786 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Property | Property | Neighborhood Location Not Allowed for Program | Acknowledged-Exception received to allow 75% LTV for rural property vs. max of 70% and to allow A-2 Agricultural & Residential zoning. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Management updated the exception. Please see attached.<br> Thanks! - Seller-REDACTED<br> Counter-Document Uploaded. Please see uploaded A2 definition. Zoning falls under agriculture which is not allowed per guidelines. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> The zoning is A-2 General Farming and Residential District II – see attached definition. "In the A-2 district, the principal structure shall be the residential structure intended to service the parcel on which such residence is located". I believe this is what is needed.<br>Thank you.<br> - Buyer-REDACTED<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Appraisal report reflects 'Specific Zoning Classification for subject property is 'A-2 Gen Farming Dist II' which confirms agricultural zoning. Per guidelines, Agricultural properties are ineligible property types page 324 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Management updated the exception. Please see attached.<br> Thanks! - Seller-REDACTED | Acknowledged-Exception received to allow 75% LTV for rural property vs. max of 70% and to allow A-2 Agricultural & Residential zoning. - Due Diligence Vendor-REDACTED |  | No evidence of income production/farm on subject property & value is supported. DTI is 36% vs. max of 50%, Borrower has zero late payments on all credit history, including 3 mortgages since inception. Borrower self-employed for over 9 years. | DIVISION 24. - A-2 GENERAL FARMING AND RESIDENTIAL DISTRICT II _ Code of Ordinances _ REDACTED _ Municode Library.pdf<br> REDACTED zoning A-2 - Search.pdf<br> A-2 Definition - Farmland-Agriculture zoning.pdf<br> REDACTED- xREDACTED - Updated Final Exception Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | N/A |
| REDACTED |  | 200000786 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. hi,<br> Please see attached Income Worksheet.<br> Thanks! - Buyer-REDACTED<br> Open-- Loan is 12 months bank statement but missing income worksheet to verify income. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | Inc Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 200000786 | D B A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see final attached 1008.<br> Thanks! - Seller-REDACTED<br> Open-Missing 1008/UW Approval Document Missing the 1008 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see final attached 1008.<br> Thanks! - Seller-REDACTED | Resolved-1008 received - Due Diligence Vendor-REDACTED |  |  | Signed 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |

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## Exhibit 99.9

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 200000763 |  | REDACTED | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | NonQM |  |
| REDACTED |  | 200000763 |  | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 200000751 |  | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 200000751 |  | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 200000751 |  | REDACTED | Property Type | propertyValuationPage | Two to Four Unit | 2-Unit | Per appraisal report |
| REDACTED |  | 200000751 |  | REDACTED | Prepayment Penalty Type | notePage | Hard | 5yr Prepay | Per Prepayment addendum |
| REDACTED |  | 200000751 |  | REDACTED | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR Loan |
| REDACTED |  | 200000678 |  | REDACTED | Property Type | propertyValuationPage | Two to Four Unit | Detached | Per appraisal report |
| REDACTED |  | 200000678 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | Mapping |
| REDACTED |  | 200000678 |  | REDACTED | Occupancy | the1003Page | Investment | NonOwnerOccupied | Mappin |
| REDACTED |  | 200000678 |  | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | Per initial 1003 |
| REDACTED |  | 200000678 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 200000668 |  | REDACTED | Occupancy | the1003Page | Investment | NonOwnerOccupied | Mapping |
| REDACTED |  | 200000668 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | Mapping |
| REDACTED |  | 200000668 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 200000738 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | Same value, entry discrepancy |
| REDACTED |  | 200000738 |  | REDACTED | Property Type | propertyValuationPage | Single Family Detached | Detached | Same value, entry discrepancy |
| REDACTED |  | 200000738 |  | REDACTED | Occupancy | the1003Page | Investment | NonOwnerOccupied | Same value, entry discrepancy |
| REDACTED |  | 200000738 |  | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | Initial 1003 page 42 dated 5/28/2025 |
| REDACTED |  | 200000738 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note page 243 $REDACTED |
| REDACTED |  | 200000666 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | Same value |
| REDACTED |  | 200000666 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note page 265 $REDACTED |
| REDACTED |  | 200000666 |  | REDACTED | CLTV | propertyValuationPage | 79.63 | 80.00 | No second lien. LTV calculated using new loan $REDACTED / Sales price $REDACTED |
| REDACTED |  | 200000737 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | FROM THE 1008 |
| REDACTED |  | 200000737 |  | REDACTED | Property Type | propertyValuationPage | Single Family Detached | Detached | FROM THE 1008 |
| REDACTED |  | 200000737 |  | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000737 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 200000658 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | FROM THE 1008 |
| REDACTED |  | 200000658 |  | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000658 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 200000739 |  | REDACTED | Occupancy | the1003Page | Investment | NonOwnerOccupied | Same value |
| REDACTED |  | 200000739 |  | REDACTED | Property Type | propertyValuationPage | Single Family Detached | Detached | Same value |
| REDACTED |  | 200000739 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | Same value |
| REDACTED |  | 200000739 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note page 259 $REDACTED |
| REDACTED |  | 200000742 |  | REDACTED | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | FROM THE FINAL CD |
| REDACTED |  | 200000742 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | FROM THE 1008 |
| REDACTED |  | 200000742 |  | REDACTED | Property Type | propertyValuationPage | Single Family Detached | Detached | FROM THE 1008 |
| REDACTED |  | 200000742 |  | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000742 |  | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000742 |  | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 200000788 |  | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 200000788 |  | REDACTED | Qualifying FICO | creditLiabilitiesPage | 739 | 726 | MID SCORE |
| REDACTED |  | 200000788 |  | REDACTED | CLTV | propertyValuationPage | 77.19 | 80.00 | PP VS APPRAISED VALUE |
| REDACTED |  | 200000788 |  | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 200000740 |  | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 200000810 |  | REDACTED | Property Type | propertyValuationPage | Condominium | Condo-NonWarrantable | FROM THE 1008 |
| REDACTED |  | 200000810 |  | REDACTED | CLTV | propertyValuationPage | 79.23 | 80.00 | From the 1008 |
| REDACTED |  | 200000802 |  | REDACTED | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR | Originator status is Non-QM: Lender documented all ATR UW factors |
| REDACTED |  | 200000802 |  | REDACTED | CLTV | propertyValuationPage | 79 | 80.00 | Mapping. 80% LTV in LM |
| REDACTED |  | 200000743 |  | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 200000743 |  | REDACTED | Lien Position | TitlePage | 1 | First Lien | FROM THE 1008 |
| REDACTED |  | 200000743 |  | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000743 |  | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 200000743 |  | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Per tax doc |

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## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Marketing ID** | &nbsp;&nbsp;**Investor Loan ID** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Original Loan Amount** | &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**Total Adjusted Prior Purchase Price** | &nbsp;&nbsp;**Primary Appraised Value** | &nbsp;&nbsp;**Primary Appraisal Date** | &nbsp;&nbsp;**Primary Appraisal Type** | &nbsp;&nbsp;**Primary Appraiser Name** | &nbsp;&nbsp;**Primary Appraiser License Number** | &nbsp;&nbsp;**Value for LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**Loan Reviewed Property Value** | &nbsp;&nbsp;**Loan Reviewed Variance Amount** | &nbsp;&nbsp;**Loan Reviewed Variance Percent** | &nbsp;&nbsp;**Loan Reviewed Product Type** | &nbsp;&nbsp;**Loan Post-Close Reviewed Property Value** | &nbsp;&nbsp;**Loan Post-Close Reviewed Variance Amount** | &nbsp;&nbsp;**Loan Post-Close Reviewed Variance Percent** | &nbsp;&nbsp;**Loan Post-Close Reviewed Product Type** | &nbsp;&nbsp;**Second Appraisal Value** | &nbsp;&nbsp;**Second Appraisal Variance Amount** | &nbsp;&nbsp;**Second Appraisal Variance Percent** | &nbsp;&nbsp;**Second Appraisal Date** | &nbsp;&nbsp;**Second Appraisal Type** | &nbsp;&nbsp;**AVM Appraised Value** | &nbsp;&nbsp;**AVM Variance Amount** | &nbsp;&nbsp;**AVM Variance Percent** | &nbsp;&nbsp;**AVM Confidence Score** | &nbsp;&nbsp;**FSD Score** | &nbsp;&nbsp;**AVM Company Name** | &nbsp;&nbsp;**AVM Product Name** | &nbsp;&nbsp;**AVM Appraisal Date** | &nbsp;&nbsp;**Desk Review Appraised Value** | &nbsp;&nbsp;**Desk Review Variance Amount** | &nbsp;&nbsp;**Desk Review Variance Percent** | &nbsp;&nbsp;**Desk Review Company** | &nbsp;&nbsp;**Desk Review Risk Score** | &nbsp;&nbsp;**Desk Review Appraisal Date** | &nbsp;&nbsp;**Desk Top Appraised Value** | &nbsp;&nbsp;**Desk Top Variance Amount** | &nbsp;&nbsp;**Desk Top Variance Percent** | &nbsp;&nbsp;**Desk Top Company** | &nbsp;&nbsp;**Desk Top Appraisal Date** | &nbsp;&nbsp;**BPO Appraised Value** | &nbsp;&nbsp;**BPO Variance Amount** | &nbsp;&nbsp;**BPO Variance Percent** | &nbsp;&nbsp;**BPO Company** | &nbsp;&nbsp;**BPO Appraisal Date** | &nbsp;&nbsp;**Field Review Appraised Value** | &nbsp;&nbsp;**Field Review Variance Amount** | &nbsp;&nbsp;**Field Review Variance Percent** | &nbsp;&nbsp;**Field Review Company** | &nbsp;&nbsp;**Field Review Appraisal Date** | &nbsp;&nbsp;**2055 Appraised Value** | &nbsp;&nbsp;**2055 Variance Amount** | &nbsp;&nbsp;**2055 Variance Percent** | &nbsp;&nbsp;**2055 Company** | &nbsp;&nbsp;**2055 Appraisal Date** | &nbsp;&nbsp;**AVE/CMA Appraised Value** | &nbsp;&nbsp;**AVE/CMA Variance Amount** | &nbsp;&nbsp;**AVE/CMA Variance Percent** | &nbsp;&nbsp;**AVE/CMA Company** | &nbsp;&nbsp;**AVE/CMA Appraisal Date** | &nbsp;&nbsp;**Completion Report (1004D) Date** | &nbsp;&nbsp;**Other Appraised Value** | &nbsp;&nbsp;**Other Variance Amount** | &nbsp;&nbsp;**Other Variance Percent** | &nbsp;&nbsp;**Other Appraisal Date** | &nbsp;&nbsp;**Updated Appraised Value** | &nbsp;&nbsp;**Updated Variance Amount** | &nbsp;&nbsp;**Updated Variance Percent** | &nbsp;&nbsp;**Updated Company** | &nbsp;&nbsp;**Updated Appraisal Date** | &nbsp;&nbsp;**Updated Appraisal Type** | &nbsp;&nbsp;**Loan Collateral Advisor Risk Score** | &nbsp;&nbsp;**Loan Collateral Advisor Risk Score Date** | &nbsp;&nbsp;**Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | &nbsp;&nbsp;**Collateral Underwriter Risk Score** | &nbsp;&nbsp;**Collateral Underwriter Risk Score Date** |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000763 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;68.97 | &nbsp;&nbsp;68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000751 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1025 Small Residential Income Report | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;75.0 | &nbsp;&nbsp;75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000678 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1025 Small Residential Income Report | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;75.0 | &nbsp;&nbsp;75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Low Risk | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000668 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;43.2 | &nbsp;&nbsp;43.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000738 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;60.0 | &nbsp;&nbsp;60.0 |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible |  |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000666 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;80.0 | &nbsp;&nbsp;80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000737 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;60.0 | &nbsp;&nbsp;60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000658 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;65.0 | &nbsp;&nbsp;65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Moderate | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000739 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;80.0 | &nbsp;&nbsp;80.0 |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000742 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;79.32 | &nbsp;&nbsp;79.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000788 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;80.0 | &nbsp;&nbsp;80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000740 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;79.93 | &nbsp;&nbsp;79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Other | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Not Eligible |  |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000810 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1073 Individual Condo Report | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;80.0 | &nbsp;&nbsp;80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000802 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;80.0 | &nbsp;&nbsp;80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000743 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;65.0 | &nbsp;&nbsp;65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;200000786 |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED |  | &nbsp;&nbsp;0 | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;1004 URAR | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;75.0 | &nbsp;&nbsp;75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;REDACTED | &nbsp;&nbsp;Moderate Risk | &nbsp;&nbsp;REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;REDACTED |  |

---

## Exhibit 99.9

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Original Loan Amount** |
| REDACTED |  | 200000763 |  | REDACTED |
| REDACTED |  | 200000751 |  | REDACTED |
| REDACTED |  | 200000678 |  | REDACTED |
| REDACTED |  | 200000668 |  | REDACTED |
| REDACTED |  | 200000738 |  | REDACTED B |
| REDACTED |  | 200000666 |  | REDACTED |
| REDACTED |  | 200000737 |  | REDACTED |
| REDACTED |  | 200000658 |  | REDACTED |
| REDACTED |  | 200000739 |  | REDACTED |
| REDACTED |  | 200000742 |  | REDACTED |
| REDACTED |  | 200000788 |  | REDACTED B |
| REDACTED |  | 200000740 |  | REDACTED |
| REDACTED |  | 200000810 |  | REDACTED B |
| REDACTED |  | 200000802 |  | REDACTED |
| REDACTED |  | 200000743 |  | REDACTED |
| REDACTED |  | 200000786 |  | REDACTED B |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| REDACTED |  | 200000763 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 11500 | 8.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000751 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 200000678 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 200000668 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 200000738 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106408.91 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 200000666 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7496 | 8.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12819.96 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000737 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 24731 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000658 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 17666 | 7.661 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000739 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6380.44 | Yes | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 200000742 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 15521.27 | 7.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000788 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17840 | 8.177 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2650 | Yes | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 200000740 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6448.73 | 8.031 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 3875.24 | Yes | Employed |  | No |  | No |  |
| REDACTED |  | 200000810 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 4585 | 7.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000802 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7185.56 | 7.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000743 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 10172.5 | 8.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 200000786 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | Yes | 33845 | 8.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.9

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** |
| REDACTED |  | 200000763 |  | PN30F | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11500 | REDACTED | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.630% |  | 8.500% | 8.500% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | N/A |  | REDACTED | REDACTED | REDACTED | Monthly | 41.18% | 35.92% | 35.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000751 |  | IN30FIO | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.142 | 1.142 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000678 |  | DSCR 30 IO (5% | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.021 |  | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000668 |  | DSCR 30 (No PP | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | REDACTED | Yes | 35.000% | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | N/A | REDACTED | REDACTED | REDACTED |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.126 |  | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000738 |  | 30 YR FIXED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | REDACTED | 6.930% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.875% | 7.875% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED | $106408.91 | N/A |  |  | $0.00 |  |  | 32.17% | 39.65% | 39.65% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000666 |  | 30 yr fixed | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7496 | REDACTED | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.178% |  | 8.000% | 8.000% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED | $12819.96 | N/A | REDACTED | REDACTED | REDACTED | REDACTED | Annually | 37.48% | 37.48% | 37.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 96 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000737 |  | 30 yr fixed | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 24731 | REDACTED | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.046% |  | 6.875% | 6.875% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED |  | N/A |  |  | $0.00 |  |  | 49.27% | 49.27% | 49.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | Tax Preparer |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000658 |  | 30 YR FIXED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 17666 | REDACTED | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.661% |  | 7.375% | 7.375% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | N/A |  | REDACTED | REDACTED |  | Monthly | 17.21% | 17.22% | 17.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000739 |  | 30 yr fixed | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | REDACTED | 6.880% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.000% | 8.000% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED | $6380.44 | N/A |  |  | $0.00 |  |  | 47.42% | 47.51% | 47.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000742 |  | 30 yr fixed | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 15521.27 | REDACTED | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.382% |  | 6.875% | 6.875% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED |  | N/A |  |  | $0.00 |  |  | 49.34% | 49.34% | 49.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 134 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000788 |  | 30 YR FIXED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 17840 | REDACTED | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.177% |  | 7.875% | 7.875% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED | $2650.00 | N/A |  |  | $0.00 |  |  | 98.12% | 49.06% | 49.06% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 60 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000740 |  | 30 YR FIXED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6448.73 | REDACTED | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.031% |  | 7.750% | 7.750% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED | $3875.24 | N/A | REDACTED | REDACTED | REDACTED | REDACTED | Monthly | 50.28% | 50.28% | 50.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000810 |  | PN30F | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4585 | REDACTED | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.687% |  | 7.375% | 7.375% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | No | REDACTED | REDACTED | REDACTED | REDACTED | Monthly | 25.24% | 25.29% | 25.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | 0 | 0 | Other |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000802 |  | PN30F | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7185.56 | REDACTED | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.550% |  | 7.375% | 7.375% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | N/A | REDACTED | REDACTED | REDACTED |  | Monthly | 30.54% | 30.54% | 30.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 108 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000743 |  | Non-QM 30yr Fixed | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10172.5 | REDACTED | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.327% |  | 8.125% | 8.125% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | REDACTED |  | N/A | REDACTED | REDACTED | REDACTED |  | Annually | 34.05% | 34.04% | 34.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 360 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |
| REDACTED |  | 200000786 |  | PN30F | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 33845 | REDACTED | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.720% |  | 8.250% | 8.250% | REDACTED | No |  | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | REDACTED |  | N/A |  |  | $0.00 |  |  | 36.37% | 36.29% | 36.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |

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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| REDACTED |  | 200000763 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 620911.97 | 66.0 | No | 68.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000751 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51434.52 | 10.9 | 572367.51 | 121.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000678 | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40656.59 | 8.6 | 40656.59 | 8.6 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000668 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 88325.55 | 37.5 | No | 43.2 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000738 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 638921.79 | 32.0 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000666 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57540.62 | 11.8 | 57540.62 | 11.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000737 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  |  | REDACTED |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 1507060.41 | 125.5 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000658 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  |  | REDACTED |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 450050.62 | 60.7 | 147231.22 | 19.9 | No | 65.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000739 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 173865.57 | 86.9 | 173865.57 | 86.9 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000742 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  |  | REDACTED |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 65740.34 | 23.5 | 66773.28 | 23.9 | No | 79.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000788 |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37159.48 | 6.5 | 37732.79 | 6.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000740 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26268.72 | 10.8 | 26268.72 | 10.8 | No | 79.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000810 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14810.38 | 7.8 | 14810.38 | 7.8 | No | 80.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000802 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31802.72 | 8.4 | 31802.72 | 8.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000743 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 107385.50 | 18.1 | 107385.50 | 18.1 | No | 65.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 200000786 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 144823.37 | 21.3 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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